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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 | $53,796 | $73,955-27.3% | $96,520-44.3% | $75,181-28.4% |
| Participation rate | 60.0% | 66.4%-6.4pp | 74.3%-14.3pp | 67.2%-7.2pp |
| Annual return | 15.80% | 26.72%-10.9pp | 35.72%-19.9pp | 160.69%-144.9pp |
| Employer contribution / active EE | $0 | $2,930-100.0% | $3,739-100.0% | $2,671-100.0% |
| Participant deferral / active EE | $4,501 | $3,659+23.0% | $4,879-7.7% | $4,126+9.1% |
| Admin fee / account holder | $2,459 | $5,217-52.9% | $6,733-63.5% | $5,650-56.5% |