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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 | $167,846 | $139,948+19.9% | $121,663+38.0% | $154,746+8.5% |
| Participation rate | 46.7% | 78.0%-31.3pp | 74.5%-27.8pp | 80.7%-34.0pp |
| Annual return | 12.41% | 230.52%-218.1pp | 147.54%-135.1pp | 172.34%-159.9pp |
| Employer contribution / active EE | $0 | $3,521-100.0% | $3,020-100.0% | $4,379-100.0% |
| Participant deferral / active EE | $2,261 | $5,629-59.8% | $4,887-53.7% | $6,730-66.4% |
| Admin fee / account holder | $1,307 | $17,321-92.5% | $14,289-90.9% | $14,365-90.9% |