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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 | $121,043 | $52,678+129.8% | $75,784+59.7% | $59,633+103.0% |
| Participation rate | 63.0% | 67.2%-4.3pp | 75.8%-12.9pp | 68.7%-5.7pp |
| Annual return | -0.47% | 2.95%-3.4pp | 9.68%-10.2pp | 2041.45%-2041.9pp |
| Employer contribution / active EE | $0 | $2,193-100.0% | $3,323-100.0% | $2,203-100.0% |
| Participant deferral / active EE | $1,543 | $2,591-40.5% | $3,652-57.8% | $3,192-51.7% |
| Admin fee / account holder | $5,971 | $3,610+65.4% | $5,300+12.7% | $4,297+39.0% |