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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 | $159,637 | $87,733+82.0% | $106,554+49.8% | $85,851+85.9% |
| Participation rate | 47.4% | 71.9%-24.5pp | 76.1%-28.7pp | 69.3%-21.9pp |
| Annual return | 11.29% | 21.86%-10.6pp | 26.80%-15.5pp | 318.63%-307.3pp |
| Employer contribution / active EE | $0 | $2,073-100.0% | $2,819-100.0% | $2,565-100.0% |
| Participant deferral / active EE | $4,634 | $3,469+33.6% | $4,398+5.4% | $3,952+17.2% |
| Admin fee / account holder | $3,489 | $6,767-48.4% | $7,408-52.9% | $6,261-44.3% |