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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 | $91,920 | $50,554+81.8% | $67,681+35.8% | $87,485+5.1% |
| Participation rate | 23.3% | 67.7%-44.5pp | 73.7%-50.5pp | 68.9%-45.7pp |
| Annual return | 15.86% | 17.81%-2.0pp | 590.58%-574.7pp | 26.06%-10.2pp |
| Employer contribution / active EE | $0 | $1,988-100.0% | $2,678-100.0% | $2,596-100.0% |
| Participant deferral / active EE | $1,466 | $2,961-50.5% | $3,976-63.1% | $4,274-65.7% |
| Admin fee / account holder | $16,831 | $4,132+307.3% | $6,100+175.9% | $7,775+116.5% |