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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 | $114,712+49.6% | $173,730-1.2% | $87,485+96.1% |
| Participation rate | 67.9% | 73.0%-5.1pp | 79.6%-11.7pp | 68.9%-1.1pp |
| Annual return | 13.94% | 20.18%-6.2pp | 19.96%-6.0pp | 26.06%-12.1pp |
| Employer contribution / active EE | $0 | $2,904-100.0% | $4,577-100.0% | $2,596-100.0% |
| Participant deferral / active EE | $8,070 | $4,642+73.9% | $6,326+27.6% | $4,274+88.8% |
| Admin fee / account holder | $62,929 | $10,210+516.4% | $17,523+259.1% | $7,775+709.4% |