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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 | $143,896 | $58,828+144.6% | $78,002+84.5% | $62,881+128.8% |
| Participation rate | 55.3% | 71.1%-15.8pp | 75.5%-20.3pp | 69.3%-14.0pp |
| Annual return | 9.07% | 17.16%-8.1pp | 425.99%-416.9pp | 20.14%-11.1pp |
| Employer contribution / active EE | $0 | $1,672-100.0% | $2,470-100.0% | $2,281-100.0% |
| Participant deferral / active EE | $2,250 | $2,686-16.2% | $3,497-35.7% | $3,203-29.8% |
| Admin fee / account holder | $3,381 | $4,393-23.0% | $5,481-38.3% | $4,296-21.3% |