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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 | $221,744 | $124,346+78.3% | $111,308+99.2% | $167,536+32.4% |
| Participation rate | 54.2% | 79.6%-25.5pp | 77.3%-23.2pp | 82.1%-27.9pp |
| Annual return | 11.40% | 37.45%-26.1pp | 54.67%-43.3pp | 478.82%-467.4pp |
| Employer contribution / active EE | $0 | $3,437-100.0% | $2,732-100.0% | $4,839-100.0% |
| Participant deferral / active EE | $3,600 | $5,182-30.5% | $4,487-19.8% | $6,342-43.2% |
| Admin fee / account holder | $79,803 | $10,621+651.3% | $7,965+901.9% | $12,315+548.0% |