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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 | $195,685 | $118,496+65.1% | $98,461+98.7% | $139,466+40.3% |
| Participation rate | 66.7% | 77.5%-10.8pp | 75.2%-8.5pp | 80.3%-13.7pp |
| Annual return | 13.29% | 18.96%-5.7pp | 21.17%-7.9pp | 373.66%-360.4pp |
| Employer contribution / active EE | $0 | $3,611-100.0% | $3,049-100.0% | $4,754-100.0% |
| Participant deferral / active EE | $3,192 | $5,393-40.8% | $4,738-32.6% | $6,712-52.4% |
| Admin fee / account holder | $4,358 | $14,056-69.0% | $8,961-51.4% | $11,409-61.8% |