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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 | $132,634+26.5% | $115,768+45.0% | $137,256+22.3% |
| Participation rate | 46.7% | 77.9%-31.2pp | 74.4%-27.7pp | 80.0%-33.3pp |
| Annual return | 12.41% | 160.70%-148.3pp | 100.46%-88.1pp | 220.34%-207.9pp |
| Employer contribution / active EE | $0 | $3,360-100.0% | $2,940-100.0% | $4,156-100.0% |
| Participant deferral / active EE | $2,261 | $5,619-59.8% | $4,917-54.0% | $6,407-64.7% |
| Admin fee / account holder | $1,307 | $15,028-91.3% | $12,439-89.5% | $12,270-89.3% |