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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 | $125,722 | $118,496+6.1% | $98,461+27.7% | $139,466-9.9% |
| Participation rate | 47.1% | 77.5%-30.4pp | 75.2%-28.1pp | 80.3%-33.3pp |
| Annual return | 16.46% | 18.96%-2.5pp | 21.17%-4.7pp | 373.66%-357.2pp |
| Employer contribution / active EE | $0 | $3,611-100.0% | $3,049-100.0% | $4,754-100.0% |
| Participant deferral / active EE | $2,106 | $5,393-60.9% | $4,738-55.5% | $6,712-68.6% |
| Admin fee / account holder | $1,028 | $14,056-92.7% | $8,961-88.5% | $11,409-91.0% |