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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 | $171,596 | $108,825+57.7% | $156,181+9.9% | $82,448+108.1% |
| Participation rate | 67.9% | 72.4%-4.5pp | 78.8%-11.0pp | 68.1%-0.2pp |
| Annual return | 13.94% | 20.59%-6.6pp | 64.87%-50.9pp | 41.64%-27.7pp |
| Employer contribution / active EE | $0 | $2,870-100.0% | $4,294-100.0% | $2,551-100.0% |
| Participant deferral / active EE | $8,070 | $4,577+76.3% | $6,132+31.6% | $4,139+95.0% |
| Admin fee / account holder | $62,929 | $9,341+573.7% | $14,586+331.4% | $7,234+769.9% |