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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 | $59,972 | $76,551-21.7% | $123,894-51.6% | $62,881-4.6% |
| Participation rate | 44.6% | 73.0%-28.4pp | 81.4%-36.8pp | 69.3%-24.7pp |
| Annual return | 6.41% | 18.68%-12.3pp | 47.52%-41.1pp | 20.14%-13.7pp |
| Employer contribution / active EE | $0 | $2,882-100.0% | $4,617-100.0% | $2,281-100.0% |
| Participant deferral / active EE | $3,963 | $4,840-18.1% | $5,984-33.8% | $3,203+23.7% |
| Admin fee / account holder | $1,424 | $4,826-70.5% | $8,357-83.0% | $4,296-66.9% |