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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 | $54,372 | $60,349-9.9% | $74,184-26.7% | $62,881-13.5% |
| Participation rate | 25.9% | 72.7%-46.8pp | 76.6%-50.7pp | 69.3%-43.4pp |
| Annual return | 5.95% | 21.38%-15.4pp | 17.74%-11.8pp | 20.14%-14.2pp |
| Employer contribution / active EE | $241 | $1,680-85.6% | $2,370-89.8% | $2,281-89.4% |
| Participant deferral / active EE | $2,070 | $2,856-27.5% | $3,550-41.7% | $3,203-35.4% |
| Admin fee / account holder | $11,701 | $4,261+174.6% | $5,586+109.5% | $4,296+172.4% |