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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 | $53,381 | $95,188-43.9% | $76,518-30.2% | $135,380-60.6% |
| Participation rate | 57.1% | 74.4%-17.2pp | 68.0%-10.9pp | 82.6%-25.5pp |
| Annual return | 1.69% | 4.85%-3.2pp | -0.27%+2.0pp | 519.81%-518.1pp |
| Employer contribution / active EE | $0 | $3,303-100.0% | $2,647-100.0% | $4,779-100.0% |
| Participant deferral / active EE | $3,491 | $4,640-24.8% | $3,836-9.0% | $5,609-37.8% |
| Admin fee / account holder | $575 | $6,249-90.8% | $4,849-88.1% | $10,828-94.7% |