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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 | $61,847 | $53,128+16.4% | $86,581-28.6% | $70,124-11.8% |
| Participation rate | 48.6% | 65.3%-16.7pp | 73.5%-24.9pp | 69.5%-20.9pp |
| Annual return | 16.41% | 27.66%-11.3pp | 965.06%-948.7pp | 73.14%-56.7pp |
| Employer contribution / active EE | $0 | $2,068-100.0% | $2,840-100.0% | $2,342-100.0% |
| Participant deferral / active EE | $2,772 | $2,695+2.8% | $3,609-23.2% | $3,332-16.8% |
| Admin fee / account holder | $16,181 | $3,584+351.5% | $4,904+230.0% | $4,645+248.3% |