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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 | $168,638 | $93,589+80.2% | $135,942+24.1% | $75,181+124.3% |
| Participation rate | 66.7% | 75.2%-8.5pp | 81.9%-15.2pp | 67.2%-0.5pp |
| Annual return | 18.80% | 30.90%-12.1pp | 68.28%-49.5pp | 160.69%-141.9pp |
| Employer contribution / active EE | $0 | $3,537-100.0% | $4,858-100.0% | $2,671-100.0% |
| Participant deferral / active EE | $7,679 | $6,405+19.9% | $7,759-1.0% | $4,126+86.1% |
| Admin fee / account holder | $6,807 | $6,977-2.4% | $10,764-36.8% | $5,650+20.5% |