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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 | $49,754 | $69,252-28.2% | $64,099-22.4% | $139,456-64.3% |
| Participation rate | 16.7% | 75.6%-58.9pp | 72.3%-55.6pp | 80.3%-63.7pp |
| Annual return | 16.16% | 45.89%-29.7pp | 33.70%-17.5pp | 373.45%-357.3pp |
| Employer contribution / active EE | $0 | $3,184-100.0% | $2,748-100.0% | $4,753-100.0% |
| Participant deferral / active EE | $4,736 | $4,683+1.1% | $3,881+22.0% | $6,711-29.4% |
| Admin fee / account holder | $2,426 | $4,248-42.9% | $3,070-21.0% | $11,407-78.7% |