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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 | $55,991 | $87,106-35.7% | $105,607-47.0% | $80,935-30.8% |
| Participation rate | 56.5% | 70.4%-13.9pp | 75.3%-18.8pp | 67.7%-11.1pp |
| Annual return | 11.62% | 17.01%-5.4pp | 116.11%-104.5pp | 35.66%-24.0pp |
| Employer contribution / active EE | $0 | $2,396-100.0% | $3,167-100.0% | $2,757-100.0% |
| Participant deferral / active EE | $2,266 | $3,986-43.1% | $5,011-54.8% | $4,299-47.3% |
| Admin fee / account holder | $3,582 | $8,447-57.6% | $10,958-67.3% | $6,924-48.3% |