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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 | $37,234 | $106,524-65.0% | $152,301-75.6% | $87,485-57.4% |
| Participation rate | 44.4% | 75.8%-31.3pp | 82.4%-38.0pp | 68.9%-24.5pp |
| Annual return | 15.94% | 26.89%-10.9pp | 80.50%-64.6pp | 26.06%-10.1pp |
| Employer contribution / active EE | $0 | $3,371-100.0% | $4,624-100.0% | $2,596-100.0% |
| Participant deferral / active EE | $4,841 | $6,525-25.8% | $8,004-39.5% | $4,274+13.3% |
| Admin fee / account holder | $11,242 | $8,287+35.7% | $14,398-21.9% | $7,775+44.6% |