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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 | $96,001 | $63,365+51.5% | $91,994+4.4% | $72,976+31.6% |
| Participation rate | 55.7% | 72.5%-16.8pp | 78.6%-22.9pp | 69.5%-13.8pp |
| Annual return | 21.62% | 35.35%-13.7pp | 69.04%-47.4pp | 81.02%-59.4pp |
| Employer contribution / active EE | $0 | $2,116-100.0% | $3,453-100.0% | $2,440-100.0% |
| Participant deferral / active EE | $2,539 | $4,883-48.0% | $5,924-57.1% | $3,608-29.6% |
| Admin fee / account holder | $2,156 | $4,670-53.8% | $7,744-72.2% | $5,124-57.9% |