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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 | $160,382 | $87,733+82.8% | $106,555+50.5% | $85,847+86.8% |
| Participation rate | 53.1% | 71.9%-18.8pp | 76.1%-23.0pp | 69.3%-16.2pp |
| Annual return | 11.22% | 21.86%-10.6pp | 26.80%-15.6pp | 318.61%-307.4pp |
| Employer contribution / active EE | $0 | $2,073-100.0% | $2,819-100.0% | $2,565-100.0% |
| Participant deferral / active EE | $2,245 | $3,469-35.3% | $4,399-49.0% | $3,952-43.2% |
| Admin fee / account holder | $2,576 | $6,767-61.9% | $7,408-65.2% | $6,261-58.8% |