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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 | $49,082 | $87,546-43.9% | $75,784-35.2% | $125,389-60.9% |
| Participation rate | 55.0% | 80.2%-25.2pp | 75.8%-20.8pp | 83.2%-28.2pp |
| Annual return | -0.58% | 13.49%-14.1pp | 9.68%-10.3pp | 282.24%-282.8pp |
| Employer contribution / active EE | $0 | $3,930-100.0% | $3,323-100.0% | $4,866-100.0% |
| Participant deferral / active EE | $1,270 | $4,230-70.0% | $3,652-65.2% | $5,352-76.3% |
| Admin fee / account holder | $10,290 | $6,503+58.2% | $5,300+94.2% | $9,541+7.9% |