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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 | $32,643 | $77,901-58.1% | $149,717-78.2% | $75,181-56.6% |
| Participation rate | 53.1% | 65.6%-12.5pp | 78.8%-25.7pp | 67.2%-14.1pp |
| Annual return | 16.54% | 31.73%-15.2pp | 134.41%-117.9pp | 160.69%-144.1pp |
| Employer contribution / active EE | $0 | $3,137-100.0% | $4,820-100.0% | $2,671-100.0% |
| Participant deferral / active EE | $1,796 | $3,411-47.3% | $5,682-68.4% | $4,126-56.5% |
| Admin fee / account holder | $986 | $5,949-83.4% | $13,213-92.5% | $5,650-82.5% |