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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 | $51,554 | $69,977-26.3% | $108,582-52.5% | $62,881-18.0% |
| Participation rate | 50.0% | 72.9%-22.9pp | 79.6%-29.6pp | 69.3%-19.3pp |
| Annual return | 4.88% | 10.73%-5.8pp | -51.70%+56.6pp | 20.14%-15.3pp |
| Employer contribution / active EE | $147 | $2,135-93.1% | $3,758-96.1% | $2,281-93.6% |
| Participant deferral / active EE | $1,666 | $3,165-47.4% | $4,311-61.4% | $3,203-48.0% |
| Admin fee / account holder | $2,037 | $5,076-59.9% | $7,645-73.4% | $4,296-52.6% |