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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 | $83,939 | $77,908+7.7% | $149,696-43.9% | $75,173+11.7% |
| Participation rate | 69.4% | 65.6%+3.8pp | 78.8%-9.4pp | 67.2%+2.2pp |
| Annual return | 14.41% | 31.73%-17.3pp | 134.46%-120.0pp | 160.72%-146.3pp |
| Employer contribution / active EE | $0 | $3,138-100.0% | $4,821-100.0% | $2,671-100.0% |
| Participant deferral / active EE | $4,528 | $3,411+32.7% | $5,682-20.3% | $4,126+9.7% |
| Admin fee / account holder | $26,313 | $5,950+342.3% | $13,212+99.2% | $5,651+365.7% |