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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 | $183,110 | $89,367+104.9% | $141,191+29.7% | $72,975+150.9% |
| Participation rate | 65.7% | 75.1%-9.4pp | 82.5%-16.8pp | 69.5%-3.8pp |
| Annual return | 24.49% | 111.87%-87.4pp | 71.41%-46.9pp | 81.01%-56.5pp |
| Employer contribution / active EE | $0 | $3,115-100.0% | $4,736-100.0% | $2,440-100.0% |
| Participant deferral / active EE | $4,667 | $5,419-13.9% | $6,710-30.4% | $3,608+29.4% |
| Admin fee / account holder | $2,696 | $5,957-54.7% | $10,264-73.7% | $5,124-47.4% |