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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 | $43,868 | $110,278-60.2% | $95,740-54.2% | $139,466-68.5% |
| Participation rate | 53.3% | 75.7%-22.4pp | 72.3%-18.9pp | 80.3%-27.0pp |
| Annual return | 31.55% | 27.19%+4.4pp | 28.41%+3.1pp | 373.66%-342.1pp |
| Employer contribution / active EE | $0 | $3,260-100.0% | $2,836-100.0% | $4,754-100.0% |
| Participant deferral / active EE | $7,114 | $4,674+52.2% | $4,244+67.6% | $6,712+6.0% |
| Admin fee / account holder | $1,255 | $6,613-81.0% | $5,676-77.9% | $11,409-89.0% |