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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 | $127,124 | $101,798+24.9% | $165,071-23.0% | $80,935+57.1% |
| Participation rate | 25.6% | 71.8%-46.3pp | 78.6%-53.0pp | 67.7%-42.1pp |
| Annual return | 25.07% | 16.73%+8.3pp | 70.17%-45.1pp | 35.66%-10.6pp |
| Employer contribution / active EE | $0 | $2,954-100.0% | $4,347-100.0% | $2,757-100.0% |
| Participant deferral / active EE | $2,411 | $4,476-46.1% | $6,035-60.1% | $4,299-43.9% |
| Admin fee / account holder | $41,334 | $8,221+402.8% | $12,695+225.6% | $6,924+496.9% |