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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 | $64,010-16.1% | $108,359-50.4% | $64,340-16.5% |
| Participation rate | 51.8% | 49.4%+2.5pp | 70.1%-18.3pp | 55.2%-3.4pp |
| Annual return | 14.88% | 19.74%-4.9pp | 36.89%-22.0pp | 24.14%-9.3pp |
| Employer contribution / active EE | $0 | $1,029-100.0% | $2,399-100.0% | $1,862-100.0% |
| Participant deferral / active EE | $3,022 | $2,395+26.1% | $4,137-27.0% | $2,980+1.4% |
| Admin fee / account holder | $3,359 | $4,885-31.2% | $9,741-65.5% | $3,703-9.3% |