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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 | $161,653 | $87,834+84.0% | $133,975+20.7% | $62,881+157.1% |
| Participation rate | 62.1% | 83.4%-21.3pp | 87.1%-25.0pp | 69.3%-7.2pp |
| Annual return | 7.34% | 12.05%-4.7pp | 29.29%-21.9pp | 20.14%-12.8pp |
| Employer contribution / active EE | $0 | $3,482-100.0% | $5,211-100.0% | $2,281-100.0% |
| Participant deferral / active EE | $8,340 | $4,812+73.3% | $6,282+32.8% | $3,203+160.4% |
| Admin fee / account holder | $1,542 | $5,372-71.3% | $9,324-83.5% | $4,296-64.1% |