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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 | $110,515 | $58,493+88.9% | $84,023+31.5% | $72,976+51.4% |
| Participation rate | 60.0% | 61.2%-1.2pp | 69.0%-9.0pp | 69.5%-9.5pp |
| Annual return | 16.84% | 28.93%-12.1pp | 71.32%-54.5pp | 81.02%-64.2pp |
| Employer contribution / active EE | $0 | $1,163-100.0% | $1,984-100.0% | $2,440-100.0% |
| Participant deferral / active EE | $1,993 | $2,394-16.7% | $3,239-38.5% | $3,608-44.8% |
| Admin fee / account holder | $676 | $4,569-85.2% | $6,102-88.9% | $5,124-86.8% |