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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 | $64,501-16.7% | $108,753-50.6% | $65,306-17.7% |
| Participation rate | 51.8% | 50.8%+1.0pp | 71.1%-19.3pp | 57.7%-5.9pp |
| Annual return | 14.88% | 21.09%-6.2pp | 37.47%-22.6pp | 21.94%-7.1pp |
| Employer contribution / active EE | $0 | $1,069-100.0% | $2,427-100.0% | $1,967-100.0% |
| Participant deferral / active EE | $3,022 | $2,401+25.9% | $4,115-26.6% | $2,959+2.1% |
| Admin fee / account holder | $3,359 | $4,971-32.4% | $10,320-67.5% | $3,480-3.5% |