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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 | $75,374 | $77,908-3.3% | $149,696-49.6% | $75,173+0.3% |
| Participation rate | 48.0% | 65.6%-17.6pp | 78.8%-30.8pp | 67.2%-19.2pp |
| Annual return | 18.01% | 31.73%-13.7pp | 134.46%-116.4pp | 160.72%-142.7pp |
| Employer contribution / active EE | $0 | $3,138-100.0% | $4,821-100.0% | $2,671-100.0% |
| Participant deferral / active EE | $3,099 | $3,411-9.2% | $5,682-45.5% | $4,126-24.9% |
| Admin fee / account holder | $4,683 | $5,950-21.3% | $13,212-64.6% | $5,651-17.1% |