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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 | $81,407 | $60,349+34.9% | $74,184+9.7% | $62,881+29.5% |
| Participation rate | 48.8% | 72.7%-24.0pp | 76.6%-27.9pp | 69.3%-20.6pp |
| Annual return | 9.69% | 21.38%-11.7pp | 17.74%-8.0pp | 20.14%-10.5pp |
| Employer contribution / active EE | $0 | $1,680-100.0% | $2,370-100.0% | $2,281-100.0% |
| Participant deferral / active EE | $2,961 | $2,856+3.7% | $3,550-16.6% | $3,203-7.5% |
| Admin fee / account holder | $589 | $4,261-86.2% | $5,586-89.5% | $4,296-86.3% |