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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 | $184,400 | $228,395-19.3% | $185,861-0.8% | $158,982+16.0% |
| Participation rate | 50.0% | 82.3%-32.3pp | 78.0%-28.0pp | 82.0%-32.0pp |
| Annual return | 14.27% | 40.82%-26.5pp | 35.96%-21.7pp | 302.99%-288.7pp |
| Employer contribution / active EE | $0 | $4,968-100.0% | $4,088-100.0% | $4,763-100.0% |
| Participant deferral / active EE | $3,400 | $6,417-47.0% | $5,634-39.7% | $5,983-43.2% |
| Admin fee / account holder | $189,990 | $11,869+1500.7% | $9,503+1899.2% | $11,252+1588.6% |