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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 | $88,458 | $54,541+62.2% | $78,778+12.3% | $70,126+26.1% |
| Participation rate | 57.6% | 60.8%-3.2pp | 69.2%-11.6pp | 69.5%-12.0pp |
| Annual return | 14.50% | 21.07%-6.6pp | 35.62%-21.1pp | 73.15%-58.6pp |
| Employer contribution / active EE | $0 | $1,089-100.0% | $1,986-100.0% | $2,343-100.0% |
| Participant deferral / active EE | $1,472 | $2,210-33.4% | $2,958-50.2% | $3,332-55.8% |
| Admin fee / account holder | $408 | $3,709-89.0% | $5,134-92.1% | $4,645-91.2% |