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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.)
Annual investment return is in the bottom quintile of the peer cohort.
| Metric | This plan | Peer set | Industry | Size |
|---|---|---|---|---|
| Avg account balance | $177,757 | $112,729+57.7% | $98,716+80.1% | $137,256+29.5% |
| Participation rate | 69.2% | 74.2%-5.0pp | 69.3%-0.1pp | 80.0%-10.7pp |
| Annual return | 7.09% | 38.48%-31.4pp | 31.81%-24.7pp | 220.34%-213.3pp |
| Employer contribution / active EE | $0 | $2,725-100.0% | $2,279-100.0% | $4,156-100.0% |
| Participant deferral / active EE | $1,835 | $4,640-60.5% | $4,048-54.7% | $6,407-71.4% |
| Admin fee / account holder | $3,239 | $10,129-68.0% | $8,703-62.8% | $12,270-73.6% |