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Participation rate is below 70% (account-balance holders / active employees) - enrollment or auto-enroll opportunity.
Employer contribution per participant is in the bottom quintile of the peer cohort.
Administrative expenses exceed $300 per participant per year - possible fee-review opportunity. (Recordkeeping / audit / legal; excludes investment management.)
| Metric | This plan | Peer set | Industry | Size |
|---|---|---|---|---|
| Avg account balance | $101,737 | $89,259+14.0% | $107,187-5.1% | $82,637+23.1% |
| Participation rate | 30.0% | 67.9%-37.9pp | 75.0%-45.0pp | 68.1%-38.1pp |
| Annual return | 14.76% | 21.02%-6.3pp | 204.55%-189.8pp | 53.51%-38.7pp |
| Employer contribution / active EE | $719 | $3,080-76.6% | $3,782-81.0% | $2,552-71.8% |
| Participant deferral / active EE | $1,829 | $4,037-54.7% | $5,096-64.1% | $4,126-55.7% |
| Admin fee / account holder | $25,169 | $7,381+241.0% | $9,162+174.7% | $7,339+243.0% |