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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 | $19,889 | $58,627-66.1% | $76,735-74.1% | $82,448-75.9% |
| Participation rate | 61.8% | 63.2%-1.5pp | 69.5%-7.7pp | 68.1%-6.3pp |
| Annual return | 17.96% | 39.10%-21.1pp | 29.77%-11.8pp | 41.64%-23.7pp |
| Employer contribution / active EE | $0 | $1,729-100.0% | $2,454-100.0% | $2,551-100.0% |
| Participant deferral / active EE | $2,511 | $3,134-19.9% | $4,088-38.6% | $4,139-39.3% |
| Admin fee / account holder | $1,689 | $5,323-68.3% | $7,189-76.5% | $7,234-76.7% |