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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 | $63,516 | $58,600+8.4% | $83,327-23.8% | $64,173-1.0% |
| Participation rate | 48.3% | 72.0%-23.8pp | 77.8%-29.5pp | 69.6%-21.3pp |
| Annual return | -4.89% | 9.66%-14.5pp | 10.64%-15.5pp | 7.63%-12.5pp |
| Employer contribution / active EE | $0 | $2,098-100.0% | $3,379-100.0% | $2,381-100.0% |
| Participant deferral / active EE | $6,106 | $4,656+31.1% | $5,565+9.7% | $3,470+76.0% |
| Admin fee / account holder | $4,888 | $9,282-47.3% | $7,540-35.2% | $4,8870% |