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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 | $178,590 | $76,407+133.7% | $150,298+18.8% | $82,448+116.6% |
| Participation rate | 63.6% | 66.4%-2.8pp | 77.8%-14.1pp | 68.1%-4.4pp |
| Annual return | 15.15% | 39.99%-24.8pp | 62.79%-47.6pp | 41.64%-26.5pp |
| Employer contribution / active EE | $0 | $2,614-100.0% | $4,154-100.0% | $2,551-100.0% |
| Participant deferral / active EE | $1,772 | $3,214-44.9% | $5,453-67.5% | $4,139-57.2% |
| Admin fee / account holder | $7,450 | $6,352+17.3% | $14,116-47.2% | $7,234+3.0% |