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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 | $48,717 | $138,312-64.8% | $122,979-60.4% | $155,188-68.6% |
| Participation rate | 53.3% | 80.2%-26.9pp | 77.2%-23.9pp | 80.8%-27.5pp |
| Annual return | 12.79% | 22.06%-9.3pp | 20.12%-7.3pp | 148.84%-136.1pp |
| Employer contribution / active EE | $0 | $3,530-100.0% | $3,062-100.0% | $4,248-100.0% |
| Participant deferral / active EE | $2,248 | $5,592-59.8% | $5,003-55.1% | $6,531-65.6% |
| Admin fee / account holder | $387 | $15,089-97.4% | $12,864-97.0% | $14,480-97.3% |