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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 | $131,661 | $63,346+107.8% | $92,240+42.7% | $70,126+87.7% |
| Participation rate | 46.7% | 68.7%-21.9pp | 76.5%-29.7pp | 69.5%-22.8pp |
| Annual return | 14.05% | 530.19%-516.1pp | 176.29%-162.2pp | 73.15%-59.1pp |
| Employer contribution / active EE | $0 | $2,471-100.0% | $3,680-100.0% | $2,343-100.0% |
| Participant deferral / active EE | $3,249 | $2,854+13.9% | $3,897-16.6% | $3,332-2.5% |
| Admin fee / account holder | $470 | $3,841-87.8% | $5,194-90.9% | $4,645-89.9% |