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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 | $187,373 | $55,446+237.9% | $155,574+20.4% | $74,429+151.7% |
| Participation rate | 34.5% | 61.9%-27.4pp | 78.2%-43.7pp | 67.2%-32.7pp |
| Annual return | 16.65% | 269.20%-252.6pp | 64.87%-48.2pp | 1368.38%-1351.7pp |
| Employer contribution / active EE | $0 | $2,266-100.0% | $4,676-100.0% | $2,625-100.0% |
| Participant deferral / active EE | $1,542 | $2,836-45.6% | $5,629-72.6% | $4,348-64.5% |
| Admin fee / account holder | $6,208 | $1,743+256.2% | $15,914-61.0% | $1,944+219.3% |