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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 | $89,051 | $65,027+36.9% | $90,970-2.1% | $79,852+11.5% |
| Participation rate | 33.3% | 61.6%-28.3pp | 69.0%-35.7pp | 69.6%-36.3pp |
| Annual return | 15.14% | 30.45%-15.3pp | 134.58%-119.4pp | 31.72%-16.6pp |
| Employer contribution / active EE | $0 | $1,247-100.0% | $2,122-100.0% | $2,471-100.0% |
| Participant deferral / active EE | $1,717 | $2,512-31.6% | $3,373-49.1% | $3,740-54.1% |
| Admin fee / account holder | $5,402 | $4,535+19.1% | $5,960-9.4% | $5,306+1.8% |