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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 | $59,660 | $56,134+6.3% | $96,171-38.0% | $85,847-30.5% |
| Participation rate | 20.4% | 56.7%-36.3pp | 68.4%-48.0pp | 69.3%-48.9pp |
| Annual return | 13.67% | 42.30%-28.6pp | 192.04%-178.4pp | 318.61%-304.9pp |
| Employer contribution / active EE | $0 | $1,620-100.0% | $2,799-100.0% | $2,565-100.0% |
| Participant deferral / active EE | $973 | $2,858-66.0% | $4,350-77.6% | $3,952-75.4% |
| Admin fee / account holder | $316 | $3,769-91.6% | $5,538-94.3% | $6,261-95.0% |