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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 | $97,168 | $93,598+3.8% | $135,974-28.5% | $75,173+29.3% |
| Participation rate | 51.9% | 75.2%-23.3pp | 81.9%-30.1pp | 67.2%-15.4pp |
| Annual return | 15.57% | 30.89%-15.3pp | 68.30%-52.7pp | 160.72%-145.2pp |
| Employer contribution / active EE | $2 | $3,538-99.9% | $4,859-100.0% | $2,671-99.9% |
| Participant deferral / active EE | $7,558 | $6,405+18.0% | $7,760-2.6% | $4,126+83.2% |
| Admin fee / account holder | $7,012 | $6,978+0.5% | $10,767-34.9% | $5,651+24.1% |