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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 | $39,555 | $56,287-29.7% | $80,977-51.2% | $62,881-37.1% |
| Participation rate | 51.9% | 68.9%-17.1pp | 75.8%-24.0pp | 69.3%-17.5pp |
| Annual return | 10.51% | 22.13%-11.6pp | 17.11%-6.6pp | 20.14%-9.6pp |
| Employer contribution / active EE | $0 | $1,943-100.0% | $3,715-100.0% | $2,281-100.0% |
| Participant deferral / active EE | $4,993 | $4,196+19.0% | $5,696-12.4% | $3,203+55.9% |
| Admin fee / account holder | $3,821 | $3,742+2.1% | $5,517-30.7% | $4,296-11.1% |