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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 | $32,251 | $106,864-69.8% | $147,318-78.1% | $82,637-61.0% |
| Participation rate | 53.2% | 75.5%-22.3pp | 82.1%-28.9pp | 68.1%-14.9pp |
| Annual return | 14.28% | 27.49%-13.2pp | 70.43%-56.2pp | 53.51%-39.2pp |
| Employer contribution / active EE | $0 | $3,417-100.0% | $4,593-100.0% | $2,552-100.0% |
| Participant deferral / active EE | $2,960 | $6,496-54.4% | $7,906-62.6% | $4,126-28.3% |
| Admin fee / account holder | $3,124 | $8,415-62.9% | $13,708-77.2% | $7,339-57.4% |