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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 | $143,114 | $55,684+157.0% | $75,900+88.6% | $72,976+96.1% |
| Participation rate | 32.3% | 61.1%-28.9pp | 69.3%-37.0pp | 69.5%-37.2pp |
| Annual return | 21.48% | 27.60%-6.1pp | 30.73%-9.2pp | 81.02%-59.5pp |
| Employer contribution / active EE | $0 | $1,687-100.0% | $2,501-100.0% | $2,440-100.0% |
| Participant deferral / active EE | $1,486 | $2,634-43.6% | $3,604-58.8% | $3,608-58.8% |
| Admin fee / account holder | $3,596 | $3,981-9.7% | $5,421-33.7% | $5,124-29.8% |