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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 | $161,311 | $72,404+122.8% | $110,243+46.3% | $64,173+151.4% |
| Participation rate | 42.1% | 73.3%-31.2pp | 79.8%-37.7pp | 69.6%-27.5pp |
| Annual return | -4.12% | -6.29%+2.2pp | 314.76%-318.9pp | 7.63%-11.8pp |
| Employer contribution / active EE | $0 | $2,282-100.0% | $3,827-100.0% | $2,381-100.0% |
| Participant deferral / active EE | $2,000 | $3,469-42.4% | $4,672-57.2% | $3,470-42.4% |
| Admin fee / account holder | $21,815 | $5,664+285.1% | $8,548+155.2% | $4,887+346.3% |