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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 | $74,441 | $72,177+3.1% | $115,038-35.3% | $59,633+24.8% |
| Participation rate | 62.5% | 72.6%-10.1pp | 81.4%-18.9pp | 68.7%-6.2pp |
| Annual return | 4.57% | 12.02%-7.5pp | 26.14%-21.6pp | 2041.45%-2036.9pp |
| Employer contribution / active EE | $0 | $2,841-100.0% | $4,608-100.0% | $2,203-100.0% |
| Participant deferral / active EE | $7,436 | $4,783+55.5% | $6,026+23.4% | $3,192+133.0% |
| Admin fee / account holder | $34,134 | $4,927+592.8% | $8,175+317.5% | $4,297+694.4% |