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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 | $123,626 | $72,486+70.6% | $87,103+41.9% | $72,976+69.4% |
| Participation rate | 55.3% | 72.8%-17.5pp | 76.9%-21.6pp | 69.5%-14.2pp |
| Annual return | 20.37% | 24.46%-4.1pp | 28.19%-7.8pp | 81.02%-60.6pp |
| Employer contribution / active EE | $0 | $1,894-100.0% | $2,521-100.0% | $2,440-100.0% |
| Participant deferral / active EE | $2,966 | $3,270-9.3% | $4,049-26.7% | $3,608-17.8% |
| Admin fee / account holder | $45,130 | $5,055+792.9% | $7,491+502.4% | $5,124+780.7% |