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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 | $93,345+18.3% | $119,126-7.3% | $87,485+26.2% |
| Participation rate | 31.4% | 68.7%-37.3pp | 75.8%-44.3pp | 68.9%-37.5pp |
| Annual return | 16.98% | 19.08%-2.1pp | 282.11%-265.1pp | 26.06%-9.1pp |
| Employer contribution / active EE | $0 | $3,172-100.0% | $4,034-100.0% | $2,596-100.0% |
| Participant deferral / active EE | $2,062 | $4,099-49.7% | $5,318-61.2% | $4,274-51.8% |
| Admin fee / account holder | $17,429 | $8,039+116.8% | $10,693+63.0% | $7,775+124.2% |