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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 | $85,162 | $45,312+87.9% | $86,233-1.2% | $67,986+25.3% |
| Participation rate | 28.5% | 42.4%-13.9pp | 69.0%-40.5pp | 57.2%-28.7pp |
| Annual return | 15.74% | 24.79%-9.0pp | 61.39%-45.6pp | 31.67%-15.9pp |
| Employer contribution / active EE | $0 | $1,160-100.0% | $2,504-100.0% | $2,019-100.0% |
| Participant deferral / active EE | $6,483 | $2,185+196.8% | $4,559+42.2% | $3,358+93.1% |
| Admin fee / account holder | $11,488 | $3,295+248.7% | $8,342+37.7% | $3,203+258.7% |