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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 | $110,392 | $88,672+24.5% | $105,223+4.9% | $82,448+33.9% |
| Participation rate | 31.4% | 67.9%-36.5pp | 75.0%-43.6pp | 68.1%-36.6pp |
| Annual return | 16.98% | 30.86%-13.9pp | 180.65%-163.7pp | 41.64%-24.7pp |
| Employer contribution / active EE | $0 | $3,048-100.0% | $3,689-100.0% | $2,551-100.0% |
| Participant deferral / active EE | $2,062 | $4,036-48.9% | $5,072-59.3% | $4,139-50.2% |
| Admin fee / account holder | $17,429 | $7,146+143.9% | $8,859+96.7% | $7,234+140.9% |