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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 | $141,757 | $81,208+74.6% | $98,920+43.3% | $79,856+77.5% |
| Participation rate | 62.5% | 72.5%-10.0pp | 76.0%-13.5pp | 69.6%-7.1pp |
| Annual return | 10.63% | 60.99%-50.4pp | 196.47%-185.8pp | 31.71%-21.1pp |
| Employer contribution / active EE | $0 | $1,960-100.0% | $2,689-100.0% | $2,471-100.0% |
| Participant deferral / active EE | $2,752 | $3,265-15.7% | $4,245-35.2% | $3,741-26.4% |
| Admin fee / account holder | $14,809 | $6,013+146.3% | $6,643+122.9% | $5,306+179.1% |