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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 | $126,263 | $185,312-31.9% | $161,489-21.8% | $154,746-18.4% |
| Participation rate | 47.8% | 82.5%-34.6pp | 78.7%-30.9pp | 80.7%-32.9pp |
| Annual return | 14.38% | 103.84%-89.5pp | 89.72%-75.3pp | 172.34%-158.0pp |
| Employer contribution / active EE | $0 | $4,769-100.0% | $4,268-100.0% | $4,379-100.0% |
| Participant deferral / active EE | $5,746 | $6,350-9.5% | $5,630+2.1% | $6,730-14.6% |
| Admin fee / account holder | $4,100 | $18,654-78.0% | $16,006-74.4% | $14,365-71.5% |