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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 | $150,211 | $106,524+41.0% | $152,301-1.4% | $87,485+71.7% |
| Participation rate | 40.0% | 75.8%-35.8pp | 82.4%-42.4pp | 68.9%-28.9pp |
| Annual return | 16.67% | 26.89%-10.2pp | 80.50%-63.8pp | 26.06%-9.4pp |
| Employer contribution / active EE | $326 | $3,371-90.3% | $4,624-93.0% | $2,596-87.5% |
| Participant deferral / active EE | $4,269 | $6,525-34.6% | $8,004-46.7% | $4,274-0.1% |
| Admin fee / account holder | $27,026 | $8,287+226.1% | $14,398+87.7% | $7,775+247.6% |