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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 | $121,825 | $64,719+88.2% | $112,249+8.5% | $68,486+77.9% |
| Participation rate | 48.6% | 67.2%-18.6pp | 75.1%-26.5pp | 67.9%-19.3pp |
| Annual return | -5.01% | -11.40%+6.4pp | 27.48%-32.5pp | -7.85%+2.8pp |
| Employer contribution / active EE | $0 | $2,747-100.0% | $3,636-100.0% | $2,597-100.0% |
| Participant deferral / active EE | $6,508 | $3,565+82.5% | $4,729+37.6% | $4,028+61.6% |
| Admin fee / account holder | $22,784 | $5,232+335.5% | $6,412+255.3% | $5,404+321.6% |