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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 | $74,921 | $58,600+27.9% | $83,327-10.1% | $64,173+16.7% |
| Participation rate | 55.6% | 72.0%-16.5pp | 77.8%-22.2pp | 69.6%-14.0pp |
| Annual return | -6.12% | 9.66%-15.8pp | 10.64%-16.8pp | 7.63%-13.8pp |
| Employer contribution / active EE | $0 | $2,098-100.0% | $3,379-100.0% | $2,381-100.0% |
| Participant deferral / active EE | $2,647 | $4,656-43.1% | $5,565-52.4% | $3,470-23.7% |
| Admin fee / account holder | $3,155 | $9,282-66.0% | $7,540-58.2% | $4,887-35.4% |