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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 | $29,652 | $67,602-56.1% | $82,312-64.0% | $70,126-57.7% |
| Participation rate | 51.2% | 72.8%-21.5pp | 76.9%-25.6pp | 69.5%-18.3pp |
| Annual return | 33.37% | 21.57%+11.8pp | 25.88%+7.5pp | 73.15%-39.8pp |
| Employer contribution / active EE | $0 | $1,755-100.0% | $2,428-100.0% | $2,343-100.0% |
| Participant deferral / active EE | $1,708 | $2,987-42.8% | $3,706-53.9% | $3,332-48.7% |
| Admin fee / account holder | $2,614 | $4,512-42.1% | $5,608-53.4% | $4,645-43.7% |