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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 | $28,278 | $99,345-71.5% | $84,753-66.6% | $273,972-89.7% |
| Participation rate | 68.4% | 80.7%-12.3pp | 76.6%-8.2pp | 83.0%-14.6pp |
| Annual return | 2.60% | 22.93%-20.3pp | 22.78%-20.2pp | 41.46%-38.9pp |
| Employer contribution / active EE | $0 | $4,214-100.0% | $3,574-100.0% | $4,869-100.0% |
| Participant deferral / active EE | $3,136 | $4,270-26.5% | $3,712-15.5% | $5,287-40.7% |
| Admin fee / account holder | $1,744 | $6,645-73.7% | $5,333-67.3% | $10,133-82.8% |