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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 | $99,548 | $60,442+64.7% | $96,754+2.9% | $87,485+13.8% |
| Participation rate | 48.0% | 58.7%-10.7pp | 70.3%-22.3pp | 68.9%-20.9pp |
| Annual return | 14.25% | 21.97%-7.7pp | 82.04%-67.8pp | 26.06%-11.8pp |
| Employer contribution / active EE | $0 | $1,691-100.0% | $2,679-100.0% | $2,596-100.0% |
| Participant deferral / active EE | $3,378 | $3,280+3.0% | $4,758-29.0% | $4,274-21.0% |
| Admin fee / account holder | $2,371 | $5,069-53.2% | $8,905-73.4% | $7,775-69.5% |