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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 | $116,240 | $65,034+78.7% | $90,970+27.8% | $79,856+45.6% |
| Participation rate | 51.9% | 61.6%-9.8pp | 69.0%-17.2pp | 69.6%-17.8pp |
| Annual return | 15.49% | 30.45%-15.0pp | 134.60%-119.1pp | 31.71%-16.2pp |
| Employer contribution / active EE | $0 | $1,247-100.0% | $2,122-100.0% | $2,471-100.0% |
| Participant deferral / active EE | $3,027 | $2,512+20.5% | $3,373-10.2% | $3,741-19.1% |
| Admin fee / account holder | $564 | $4,536-87.6% | $5,961-90.5% | $5,306-89.4% |