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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 | $156,396 | $118,708+31.7% | $98,920+58.1% | $158,966-1.6% |
| Participation rate | 27.3% | 77.8%-50.6pp | 76.0%-48.8pp | 82.0%-54.7pp |
| Annual return | 11.28% | 372.49%-361.2pp | 196.47%-185.2pp | 302.95%-291.7pp |
| Employer contribution / active EE | $0 | $3,334-100.0% | $2,689-100.0% | $4,762-100.0% |
| Participant deferral / active EE | $2,116 | $5,089-58.4% | $4,245-50.1% | $5,983-64.6% |
| Admin fee / account holder | $14,025 | $10,134+38.4% | $6,643+111.1% | $11,250+24.7% |