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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 | $142,407 | $67,602+110.7% | $82,312+73.0% | $70,126+103.1% |
| Participation rate | 54.2% | 72.8%-18.6pp | 76.9%-22.7pp | 69.5%-15.4pp |
| Annual return | 17.79% | 21.57%-3.8pp | 25.88%-8.1pp | 73.15%-55.4pp |
| Employer contribution / active EE | $0 | $1,755-100.0% | $2,428-100.0% | $2,343-100.0% |
| Participant deferral / active EE | $1,590 | $2,987-46.8% | $3,706-57.1% | $3,332-52.3% |
| Admin fee / account holder | $5,151 | $4,512+14.2% | $5,608-8.1% | $4,645+10.9% |