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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 | $121,571 | $96,562+25.9% | $80,976+50.1% | $273,968-55.6% |
| Participation rate | 69.6% | 79.1%-9.5pp | 75.8%-6.2pp | 83.0%-13.5pp |
| Annual return | 12.37% | 15.14%-2.8pp | 17.10%-4.7pp | 41.45%-29.1pp |
| Employer contribution / active EE | $0 | $4,868-100.0% | $3,714-100.0% | $4,869-100.0% |
| Participant deferral / active EE | $6,339 | $6,597-3.9% | $5,696+11.3% | $5,287+19.9% |
| Admin fee / account holder | $11,839 | $7,493+58.0% | $5,516+114.6% | $10,132+16.8% |