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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 | $57,754 | $49,138+17.5% | $84,023-31.3% | $65,186-11.4% |
| Participation rate | 35.8% | 60.7%-25.0pp | 69.0%-33.2pp | 70.2%-34.4pp |
| Annual return | 31.79% | 23.00%+8.8pp | 71.32%-39.5pp | 29.39%+2.4pp |
| Employer contribution / active EE | $0 | $914-100.0% | $1,984-100.0% | $2,177-100.0% |
| Participant deferral / active EE | $2,142 | $2,397-10.7% | $3,239-33.9% | $3,514-39.1% |
| Admin fee / account holder | $754 | $543+38.7% | $6,102-87.6% | $847-11.0% |