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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 | $53,736 | $67,638-20.6% | $133,346-59.7% | $69,733-22.9% |
| Participation rate | 51.8% | 54.3%-2.4pp | 72.8%-21.0pp | 62.5%-10.6pp |
| Annual return | 14.88% | 13.38%+1.5pp | 36.85%-22.0pp | 15.22%-0.3pp |
| Employer contribution / active EE | $0 | $1,177-100.0% | $2,853-100.0% | $2,250-100.0% |
| Participant deferral / active EE | $3,022 | $2,567+17.7% | $4,332-30.3% | $3,054-1.1% |
| Admin fee / account holder | $3,359 | $4,814-30.2% | $14,264-76.5% | $3,102+8.3% |