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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 | $39,553 | $56,287-29.7% | $80,977-51.2% | $62,881-37.1% |
| Participation rate | 57.6% | 68.9%-11.4pp | 75.8%-18.2pp | 69.3%-11.7pp |
| Annual return | 20.09% | 22.13%-2.0pp | 17.11%+3.0pp | 20.14%-0.1pp |
| Employer contribution / active EE | $0 | $1,943-100.0% | $3,715-100.0% | $2,281-100.0% |
| Participant deferral / active EE | $7,520 | $4,196+79.2% | $5,696+32.0% | $3,203+134.8% |
| Admin fee / account holder | $3,008 | $3,742-19.6% | $5,517-45.5% | $4,296-30.0% |