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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 | $135,269 | $54,757+147.0% | $90,304+49.8% | $72,975+85.4% |
| Participation rate | 55.9% | 65.2%-9.2pp | 73.3%-17.3pp | 69.5%-13.6pp |
| Annual return | 20.69% | 30.63%-9.9pp | 78.13%-57.4pp | 81.01%-60.3pp |
| Employer contribution / active EE | $0 | $2,093-100.0% | $2,855-100.0% | $2,440-100.0% |
| Participant deferral / active EE | $4,435 | $2,887+53.6% | $3,885+14.1% | $3,608+22.9% |
| Admin fee / account holder | $2,125 | $3,973-46.5% | $5,354-60.3% | $5,124-58.5% |