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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 | $67,753 | $153,311-55.8% | $109,313-38.0% | $273,972-75.3% |
| Participation rate | 60.0% | 80.1%-20.1pp | 71.3%-11.3pp | 83.0%-23.0pp |
| Annual return | 5.32% | 29.86%-24.5pp | 22.07%-16.8pp | 41.46%-36.1pp |
| Employer contribution / active EE | $0 | $5,619-100.0% | $3,892-100.0% | $4,869-100.0% |
| Participant deferral / active EE | $6,287 | $3,932+59.9% | $3,166+98.5% | $5,287+18.9% |
| Admin fee / account holder | $11,677 | $8,076+44.6% | $5,666+106.1% | $10,133+15.2% |