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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 | $92,834 | $107,809-13.9% | $97,032-4.3% | $155,188-40.2% |
| Participation rate | 33.3% | 75.5%-42.1pp | 71.6%-38.2pp | 80.8%-47.5pp |
| Annual return | 16.18% | 38.06%-21.9pp | 35.38%-19.2pp | 148.84%-132.7pp |
| Employer contribution / active EE | $0 | $2,911-100.0% | $2,629-100.0% | $4,248-100.0% |
| Participant deferral / active EE | $2,982 | $5,129-41.9% | $4,672-36.2% | $6,531-54.3% |
| Admin fee / account holder | $32,371 | $10,717+202.0% | $9,418+243.7% | $14,480+123.6% |