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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 | $81,490 | $87,166-6.5% | $76,735+6.2% | $137,256-40.6% |
| Participation rate | 69.2% | 74.4%-5.1pp | 69.5%-0.3pp | 80.0%-10.7pp |
| Annual return | 16.67% | 26.50%-9.8pp | 29.77%-13.1pp | 220.34%-203.7pp |
| Employer contribution / active EE | $0 | $2,904-100.0% | $2,454-100.0% | $4,156-100.0% |
| Participant deferral / active EE | $2,181 | $4,726-53.8% | $4,088-46.6% | $6,407-66.0% |
| Admin fee / account holder | $675 | $8,403-92.0% | $7,189-90.6% | $12,270-94.5% |