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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 | $103,669 | $201,370-48.5% | $184,256-43.7% | $145,897-28.9% |
| Participation rate | 45.5% | 87.5%-42.0pp | 86.8%-41.4pp | 80.3%-34.9pp |
| Annual return | 31.64% | 29.05%+2.6pp | 28.85%+2.8pp | 552.29%-520.7pp |
| Employer contribution / active EE | $0 | $7,024-100.0% | $6,427-100.0% | $4,663-100.0% |
| Participant deferral / active EE | $4,890 | $9,808-50.1% | $9,133-46.5% | $6,689-26.9% |
| Admin fee / account holder | $44,083 | $16,364+169.4% | $13,899+217.2% | $13,390+229.2% |