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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 | $63,028 | $76,371-17.5% | $93,621-32.7% | $72,976-13.6% |
| Participation rate | 62.2% | 71.8%-9.5pp | 75.8%-13.6pp | 69.5%-7.3pp |
| Annual return | 37.03% | 25.82%+11.2pp | 32.76%+4.3pp | 81.02%-44.0pp |
| Employer contribution / active EE | $0 | $2,276-100.0% | $2,719-100.0% | $2,440-100.0% |
| Participant deferral / active EE | $2,990 | $3,538-15.5% | $4,070-26.5% | $3,608-17.1% |
| Admin fee / account holder | $552 | $6,839-91.9% | $7,890-93.0% | $5,124-89.2% |