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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 | $154,161 | $76,371+101.9% | $93,621+64.7% | $72,976+111.2% |
| Participation rate | 51.6% | 71.8%-20.1pp | 75.8%-24.2pp | 69.5%-17.9pp |
| Annual return | 39.36% | 25.82%+13.5pp | 32.76%+6.6pp | 81.02%-41.7pp |
| Employer contribution / active EE | $0 | $2,276-100.0% | $2,719-100.0% | $2,440-100.0% |
| Participant deferral / active EE | $3,418 | $3,538-3.4% | $4,070-16.0% | $3,608-5.3% |
| Admin fee / account holder | $21,007 | $6,839+207.2% | $7,890+166.2% | $5,124+310.0% |