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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 | $53,316 | $67,602-21.1% | $82,312-35.2% | $70,126-24.0% |
| Participation rate | 69.7% | 72.8%-3.0pp | 76.9%-7.2pp | 69.5%+0.2pp |
| Annual return | 17.15% | 21.57%-4.4pp | 25.88%-8.7pp | 73.15%-56.0pp |
| Employer contribution / active EE | $0 | $1,755-100.0% | $2,428-100.0% | $2,343-100.0% |
| Participant deferral / active EE | $2,598 | $2,987-13.0% | $3,706-29.9% | $3,332-22.0% |
| Admin fee / account holder | $2,491 | $4,512-44.8% | $5,608-55.6% | $4,645-46.4% |