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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 | $121,857 | $102,422+19.0% | $147,117-17.2% | $80,959+50.5% |
| Participation rate | 45.2% | 75.9%-30.7pp | 82.2%-37.0pp | 67.7%-22.5pp |
| Annual return | 16.22% | 135.16%-118.9pp | 420.54%-404.3pp | 35.67%-19.5pp |
| Employer contribution / active EE | $0 | $3,717-100.0% | $4,932-100.0% | $2,757-100.0% |
| Participant deferral / active EE | $6,641 | $6,652-0.2% | $8,065-17.7% | $4,300+54.4% |
| Admin fee / account holder | $5,940 | $7,953-25.3% | $12,993-54.3% | $6,925-14.2% |