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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 | $82,168 | $72,486+13.4% | $87,103-5.7% | $72,976+12.6% |
| Participation rate | 62.9% | 72.8%-10.0pp | 76.9%-14.0pp | 69.5%-6.6pp |
| Annual return | 19.78% | 24.46%-4.7pp | 28.19%-8.4pp | 81.02%-61.2pp |
| Employer contribution / active EE | $0 | $1,894-100.0% | $2,521-100.0% | $2,440-100.0% |
| Participant deferral / active EE | $2,938 | $3,270-10.1% | $4,049-27.4% | $3,608-18.6% |
| Admin fee / account holder | $601 | $5,055-88.1% | $7,491-92.0% | $5,124-88.3% |