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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 | $63,211 | $108,285-41.6% | $77,552-18.5% | $158,982-60.2% |
| Participation rate | 47.8% | 64.4%-16.6pp | 54.2%-6.4pp | 82.0%-34.1pp |
| Annual return | 8.95% | 31.69%-22.7pp | 54.82%-45.9pp | 302.99%-294.0pp |
| Employer contribution / active EE | $0 | $1,325-100.0% | $987-100.0% | $4,763-100.0% |
| Participant deferral / active EE | $2,484 | $2,455+1.2% | $1,861+33.5% | $5,983-58.5% |
| Admin fee / account holder | $5,514 | $3,709+48.7% | $2,859+92.9% | $11,252-51.0% |