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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 | $150,321 | $103,164+45.7% | $90,259+66.5% | $154,746-2.9% |
| Participation rate | 57.9% | 76.1%-18.2pp | 70.7%-12.9pp | 80.7%-22.8pp |
| Annual return | 10.45% | 19.25%-8.8pp | 18.88%-8.4pp | 172.34%-161.9pp |
| Employer contribution / active EE | $0 | $2,532-100.0% | $2,291-100.0% | $4,379-100.0% |
| Participant deferral / active EE | $2,614 | $4,422-40.9% | $3,827-31.7% | $6,730-61.2% |
| Admin fee / account holder | $45,536 | $8,593+429.9% | $7,267+526.6% | $14,365+217.0% |