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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 | $155,866 | $98,776+57.8% | $149,745+4.1% | $79,856+95.2% |
| Participation rate | 69.0% | 75.8%-6.8pp | 82.5%-13.5pp | 69.6%-0.7pp |
| Annual return | 14.87% | 27.38%-12.5pp | 276.72%-261.9pp | 31.71%-16.8pp |
| Employer contribution / active EE | $0 | $3,217-100.0% | $4,646-100.0% | $2,471-100.0% |
| Participant deferral / active EE | $11,258 | $5,681+98.2% | $6,843+64.5% | $3,741+201.0% |
| Admin fee / account holder | $8,058 | $6,053+33.1% | $9,312-13.5% | $5,306+51.9% |