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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 | $230,613 | $142,354+62.0% | $125,529+83.7% | $155,188+48.6% |
| Participation rate | 44.4% | 78.1%-33.6pp | 74.7%-30.3pp | 80.8%-36.4pp |
| Annual return | 14.55% | 306.06%-291.5pp | 202.56%-188.0pp | 148.84%-134.3pp |
| Employer contribution / active EE | $0 | $3,501-100.0% | $3,058-100.0% | $4,248-100.0% |
| Participant deferral / active EE | $1,800 | $5,491-67.2% | $4,813-62.6% | $6,531-72.4% |
| Admin fee / account holder | $2,417 | $19,392-87.5% | $16,298-85.2% | $14,480-83.3% |