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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 | $113,795 | $110,137+3.3% | $161,149-29.4% | $82,637+37.7% |
| Participation rate | 50.7% | 72.4%-21.6pp | 78.8%-28.1pp | 68.1%-17.3pp |
| Annual return | 17.02% | 20.69%-3.7pp | 21.16%-4.1pp | 53.51%-36.5pp |
| Employer contribution / active EE | $0 | $2,856-100.0% | $4,360-100.0% | $2,552-100.0% |
| Participant deferral / active EE | $3,780 | $4,575-17.4% | $6,153-38.6% | $4,126-8.4% |
| Admin fee / account holder | $16,795 | $9,467+77.4% | $15,194+10.5% | $7,339+128.8% |