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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 | $118,286 | $51,202+131.0% | $70,548+67.7% | $75,181+57.3% |
| Participation rate | 43.5% | 61.0%-17.5pp | 68.3%-24.9pp | 67.2%-23.7pp |
| Annual return | 32.96% | 30.05%+2.9pp | 32.78%+0.2pp | 160.69%-127.7pp |
| Employer contribution / active EE | $0 | $1,827-100.0% | $2,975-100.0% | $2,671-100.0% |
| Participant deferral / active EE | $5,975 | $2,850+109.7% | $4,567+30.8% | $4,126+44.8% |
| Admin fee / account holder | $13,814 | $4,094+237.4% | $6,424+115.0% | $5,650+144.5% |