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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 | $80,515 | $79,557+1.2% | $118,746-32.2% | $70,126+14.8% |
| Participation rate | 55.3% | 71.4%-16.1pp | 78.3%-23.0pp | 69.5%-14.2pp |
| Annual return | 13.61% | 25.64%-12.0pp | 24.54%-10.9pp | 73.15%-59.5pp |
| Employer contribution / active EE | $0 | $2,861-100.0% | $4,193-100.0% | $2,343-100.0% |
| Participant deferral / active EE | $3,718 | $4,089-9.1% | $5,332-30.3% | $3,332+11.6% |
| Admin fee / account holder | $6,072 | $5,374+13.0% | $10,720-43.4% | $4,645+30.7% |