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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 | $95,465 | $96,731-1.3% | $123,973-23.0% | $86,983+9.8% |
| Participation rate | 31.0% | 70.0%-39.1pp | 76.7%-45.7pp | 69.5%-38.6pp |
| Annual return | 14.55% | 17.33%-2.8pp | 388.13%-373.6pp | 25.83%-11.3pp |
| Employer contribution / active EE | $0 | $3,297-100.0% | $4,126-100.0% | $2,584-100.0% |
| Participant deferral / active EE | $2,181 | $4,152-47.5% | $5,247-58.4% | $4,194-48.0% |
| Admin fee / account holder | $22,470 | $8,722+157.6% | $11,799+90.4% | $7,856+186.0% |