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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 | $140,570 | $118,496+18.6% | $98,461+42.8% | $139,466+0.8% |
| Participation rate | 62.5% | 77.5%-15.0pp | 75.2%-12.7pp | 80.3%-17.8pp |
| Annual return | 17.10% | 18.96%-1.9pp | 21.17%-4.1pp | 373.66%-356.6pp |
| Employer contribution / active EE | $0 | $3,611-100.0% | $3,049-100.0% | $4,754-100.0% |
| Participant deferral / active EE | $4,323 | $5,393-19.8% | $4,738-8.8% | $6,712-35.6% |
| Admin fee / account holder | $6,143 | $14,056-56.3% | $8,961-31.4% | $11,409-46.2% |