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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 | $122,257 | $99,875+22.4% | $146,866-16.8% | $86,983+40.6% |
| Participation rate | 48.3% | 75.8%-27.5pp | 82.5%-34.2pp | 69.5%-21.3pp |
| Annual return | 16.19% | 28.10%-11.9pp | 102.85%-86.7pp | 25.83%-9.6pp |
| Employer contribution / active EE | $0 | $3,224-100.0% | $4,425-100.0% | $2,584-100.0% |
| Participant deferral / active EE | $4,834 | $6,322-23.5% | $7,759-37.7% | $4,194+15.3% |
| Admin fee / account holder | $1,773 | $7,838-77.4% | $13,620-87.0% | $7,856-77.4% |