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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 | $140,072 | $101,778+37.6% | $164,975-15.1% | $80,925+73.1% |
| Participation rate | 60.7% | 71.8%-11.2pp | 78.6%-17.9pp | 67.7%-7.0pp |
| Annual return | 14.50% | 16.73%-2.2pp | 70.12%-55.6pp | 35.65%-21.1pp |
| Employer contribution / active EE | $0 | $2,954-100.0% | $4,343-100.0% | $2,756-100.0% |
| Participant deferral / active EE | $9,802 | $4,477+119.0% | $6,033+62.5% | $4,299+128.0% |
| Admin fee / account holder | $11,018 | $8,221+34.0% | $12,688-13.2% | $6,940+58.8% |