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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 | $119,412 | $84,236+41.8% | $170,435-29.9% | $70,126+70.3% |
| Participation rate | 43.6% | 70.8%-27.2pp | 83.6%-40.0pp | 69.5%-26.0pp |
| Annual return | 13.79% | 23.06%-9.3pp | 205.94%-192.1pp | 73.15%-59.4pp |
| Employer contribution / active EE | $0 | $3,387-100.0% | $5,432-100.0% | $2,343-100.0% |
| Participant deferral / active EE | $4,961 | $3,086+60.8% | $4,939+0.4% | $3,332+48.9% |
| Admin fee / account holder | $3,597 | $5,698-36.9% | $13,881-74.1% | $4,645-22.6% |