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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 | $116,997 | $52,306+123.7% | $69,779+67.7% | $62,881+86.1% |
| Participation rate | 46.6% | 67.2%-20.7pp | 71.8%-25.3pp | 69.3%-22.8pp |
| Annual return | 6.00% | 13.35%-7.4pp | 12.99%-7.0pp | 20.14%-14.1pp |
| Employer contribution / active EE | $0 | $1,799-100.0% | $2,338-100.0% | $2,281-100.0% |
| Participant deferral / active EE | $3,920 | $2,395+63.7% | $2,931+33.8% | $3,203+22.4% |
| Admin fee / account holder | $12,563 | $3,691+240.4% | $4,381+186.8% | $4,296+192.5% |