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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 | $79,392 | $107,421-26.1% | $182,262-56.4% | $94,015-15.6% |
| Participation rate | 24.3% | 77.8%-53.5pp | 84.2%-59.9pp | 70.8%-46.5pp |
| Annual return | 18.24% | 21.32%-3.1pp | 140.60%-122.4pp | 17.84%+0.4pp |
| Employer contribution / active EE | $0 | $3,448-100.0% | $5,046-100.0% | $2,790-100.0% |
| Participant deferral / active EE | $3,800 | $6,558-42.1% | $8,276-54.1% | $4,249-10.6% |
| Admin fee / account holder | $3,524 | $8,692-59.5% | $16,712-78.9% | $8,951-60.6% |