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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 | $154,987 | $109,359+41.7% | $162,177-4.4% | $72,975+112.4% |
| Participation rate | 61.0% | 84.3%-23.3pp | 87.6%-26.6pp | 69.5%-8.5pp |
| Annual return | 25.01% | 25.46%-0.5pp | 115.60%-90.6pp | 81.01%-56.0pp |
| Employer contribution / active EE | $0 | $3,907-100.0% | $5,613-100.0% | $2,440-100.0% |
| Participant deferral / active EE | $14,033 | $5,481+156.0% | $7,297+92.3% | $3,608+289.0% |
| Admin fee / account holder | $1,560 | $7,972-80.4% | $10,843-85.6% | $5,124-69.6% |