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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 | $134,623 | $74,535+80.6% | $100,712+33.7% | $82,637+62.9% |
| Participation rate | 38.2% | 61.2%-22.9pp | 69.3%-31.0pp | 68.1%-29.8pp |
| Annual return | 13.30% | 18.92%-5.6pp | 33.27%-20.0pp | 53.51%-40.2pp |
| Employer contribution / active EE | $0 | $1,503-100.0% | $2,313-100.0% | $2,552-100.0% |
| Participant deferral / active EE | $3,778 | $3,074+22.9% | $4,085-7.5% | $4,126-8.4% |
| Admin fee / account holder | $23,176 | $6,576+252.4% | $9,256+150.4% | $7,339+215.8% |