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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 | $122,977 | $106,280+15.7% | $96,538+27.4% | $139,487-11.8% |
| Participation rate | 50.0% | 77.8%-27.8pp | 74.3%-24.3pp | 80.3%-30.3pp |
| Annual return | 16.38% | 38.48%-22.1pp | 35.74%-19.4pp | 373.84%-357.5pp |
| Employer contribution / active EE | $0 | $4,107-100.0% | $3,740-100.0% | $4,755-100.0% |
| Participant deferral / active EE | $5,625 | $5,457+3.1% | $4,880+15.3% | $6,713-16.2% |
| Admin fee / account holder | $813 | $7,888-89.7% | $6,737-87.9% | $11,407-92.9% |