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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 | $50,312 | $116,203-56.7% | $93,621-46.3% | $152,897-67.1% |
| Participation rate | 60.0% | 78.1%-18.1pp | 75.8%-15.8pp | 82.5%-22.5pp |
| Annual return | 11.70% | 35.96%-24.3pp | 32.76%-21.1pp | 345.43%-333.7pp |
| Employer contribution / active EE | $0 | $3,219-100.0% | $2,719-100.0% | $4,764-100.0% |
| Participant deferral / active EE | $1,489 | $4,605-67.7% | $4,070-63.4% | $5,851-74.6% |
| Admin fee / account holder | $22,446 | $10,751+108.8% | $7,890+184.5% | $11,599+93.5% |