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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 | $223,479 | $185,141+20.7% | $153,416+45.7% | $155,188+44.0% |
| Participation rate | 66.7% | 79.9%-13.3pp | 74.3%-7.7pp | 80.8%-14.1pp |
| Annual return | 10.49% | 18.72%-8.2pp | 17.84%-7.3pp | 148.84%-138.3pp |
| Employer contribution / active EE | $0 | $4,489-100.0% | $3,764-100.0% | $4,248-100.0% |
| Participant deferral / active EE | $3,880 | $5,477-29.2% | $4,723-17.9% | $6,531-40.6% |
| Admin fee / account holder | $203,327 | $16,005+1170.4% | $13,095+1452.7% | $14,480+1304.2% |