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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 | $178,120 | $72,273+146.5% | $101,275+75.9% | $79,856+123.1% |
| Participation rate | 69.0% | 68.5%+0.5pp | 75.8%-6.8pp | 69.6%-0.7pp |
| Annual return | 14.35% | 22.30%-7.9pp | 46.48%-32.1pp | 31.71%-17.4pp |
| Employer contribution / active EE | $0 | $2,691-100.0% | $3,660-100.0% | $2,471-100.0% |
| Participant deferral / active EE | $3,749 | $3,282+14.3% | $4,371-14.2% | $3,741+0.2% |
| Admin fee / account holder | $12,836 | $4,401+191.6% | $5,948+115.8% | $5,306+141.9% |