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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 | $53,324 | $181,896-70.7% | $156,551-65.9% | $273,972-80.5% |
| Participation rate | 54.2% | 88.4%-34.2pp | 84.0%-29.8pp | 83.0%-28.8pp |
| Annual return | 4.47% | 30.74%-26.3pp | 32.23%-27.8pp | 41.46%-37.0pp |
| Employer contribution / active EE | $0 | $6,248-100.0% | $5,501-100.0% | $4,869-100.0% |
| Participant deferral / active EE | $2,940 | $5,550-47.0% | $4,871-39.6% | $5,287-44.4% |
| Admin fee / account holder | $6,675 | $15,560-57.1% | $13,028-48.8% | $10,133-34.1% |