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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 | $110,754 | $48,364+129.0% | $71,796+54.3% | $62,881+76.1% |
| Participation rate | 64.3% | 60.6%+3.7pp | 69.1%-4.8pp | 69.3%-5.0pp |
| Annual return | 7.24% | 13.16%-5.9pp | 78.04%-70.8pp | 20.14%-12.9pp |
| Employer contribution / active EE | $0 | $1,042-100.0% | $1,924-100.0% | $2,281-100.0% |
| Participant deferral / active EE | $5,720 | $2,091+173.5% | $2,794+104.7% | $3,203+78.6% |
| Admin fee / account holder | $32,599 | $3,771+764.4% | $4,815+577.0% | $4,296+658.9% |