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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 | $150,149 | $154,209-2.6% | $130,062+15.4% | $139,487+7.6% |
| Participation rate | 57.9% | 82.0%-24.1pp | 78.5%-20.6pp | 80.3%-22.4pp |
| Annual return | 12.99% | 32.52%-19.5pp | -137.37%+150.4pp | 373.84%-360.9pp |
| Employer contribution / active EE | $0 | $5,292-100.0% | $4,322-100.0% | $4,755-100.0% |
| Participant deferral / active EE | $2,572 | $6,709-61.7% | $5,821-55.8% | $6,713-61.7% |
| Admin fee / account holder | $12,648 | $13,988-9.6% | $10,601+19.3% | $11,407+10.9% |