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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 | $136,279 | $78,520+73.6% | $96,576+41.1% | $82,448+65.3% |
| Participation rate | 59.5% | 77.7%-18.3pp | 81.4%-22.0pp | 68.1%-8.6pp |
| Annual return | 15.50% | 41.30%-25.8pp | 38.47%-23.0pp | 41.64%-26.1pp |
| Employer contribution / active EE | $0 | $2,630-100.0% | $3,553-100.0% | $2,551-100.0% |
| Participant deferral / active EE | $5,499 | $6,754-18.6% | $7,956-30.9% | $4,139+32.9% |
| Admin fee / account holder | $2,532 | $13,455-81.2% | $11,381-77.8% | $7,234-65.0% |