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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 | $101,110 | $83,337+21.3% | $67,834+49.1% | $273,972-63.1% |
| Participation rate | 63.6% | 76.4%-12.8pp | 68.8%-5.2pp | 83.0%-19.4pp |
| Annual return | 5.73% | 259.45%-253.7pp | 138.47%-132.7pp | 41.46%-35.7pp |
| Employer contribution / active EE | $0 | $3,287-100.0% | $2,403-100.0% | $4,869-100.0% |
| Participant deferral / active EE | $2,140 | $4,088-47.6% | $3,160-32.3% | $5,287-59.5% |
| Admin fee / account holder | $2,982 | $6,752-55.8% | $4,622-35.5% | $10,133-70.6% |