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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 | $106,864-25.7% | $147,318-46.1% | $82,637-3.9% |
| Participation rate | 24.3% | 75.5%-51.2pp | 82.1%-57.7pp | 68.1%-43.7pp |
| Annual return | 18.24% | 27.49%-9.2pp | 70.43%-52.2pp | 53.51%-35.3pp |
| Employer contribution / active EE | $0 | $3,417-100.0% | $4,593-100.0% | $2,552-100.0% |
| Participant deferral / active EE | $3,800 | $6,496-41.5% | $7,906-51.9% | $4,126-7.9% |
| Admin fee / account holder | $3,524 | $8,415-58.1% | $13,708-74.3% | $7,339-52.0% |