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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 | $162,447 | $94,529+71.8% | $140,019+16.0% | $64,173+153.1% |
| Participation rate | 67.7% | 84.1%-16.3pp | 87.5%-19.8pp | 69.6%-1.8pp |
| Annual return | -6.82% | 7.77%-14.6pp | 651.17%-658.0pp | 7.63%-14.5pp |
| Employer contribution / active EE | $0 | $3,812-100.0% | $5,605-100.0% | $2,381-100.0% |
| Participant deferral / active EE | $10,280 | $5,250+95.8% | $6,927+48.4% | $3,470+196.3% |
| Admin fee / account holder | $7,957 | $6,741+18.0% | $10,705-25.7% | $4,887+62.8% |