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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 | $56,672 | $52,279+8.4% | $89,435-36.6% | $79,856-29.0% |
| Participation rate | 17.2% | 57.5%-40.4pp | 68.0%-50.8pp | 69.6%-52.5pp |
| Annual return | 13.67% | 22.16%-8.5pp | 245.55%-231.9pp | 31.71%-18.0pp |
| Employer contribution / active EE | $0 | $1,572-100.0% | $2,587-100.0% | $2,471-100.0% |
| Participant deferral / active EE | $2,572 | $2,740-6.1% | $3,890-33.9% | $3,741-31.2% |
| Admin fee / account holder | $4,754 | $3,356+41.6% | $4,884-2.7% | $5,306-10.4% |