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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 | $99,053-6.3% | $88,179+5.3% | $138,895-33.2% |
| Participation rate | 33.3% | 74.2%-40.9pp | 69.1%-35.8pp | 79.9%-46.6pp |
| Annual return | 16.18% | 78.17%-62.0pp | 64.97%-48.8pp | 145.39%-129.2pp |
| Employer contribution / active EE | $0 | $2,882-100.0% | $2,549-100.0% | $4,194-100.0% |
| Participant deferral / active EE | $2,982 | $5,225-42.9% | $4,614-35.4% | $6,396-53.4% |
| Admin fee / account holder | $32,371 | $8,748+270.0% | $7,673+321.9% | $12,562+157.7% |