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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 | $63,211 | $48,053+31.5% | $84,637-25.3% | $72,976-13.4% |
| Participation rate | 20.6% | 57.6%-37.0pp | 68.2%-47.6pp | 69.5%-48.9pp |
| Annual return | 26.73% | 37.39%-10.7pp | 258.82%-232.1pp | 81.02%-54.3pp |
| Employer contribution / active EE | $0 | $1,602-100.0% | $2,653-100.0% | $2,440-100.0% |
| Participant deferral / active EE | $2,050 | $2,681-23.5% | $3,900-47.5% | $3,608-43.2% |
| Admin fee / account holder | $3,820 | $3,395+12.5% | $4,914-22.3% | $5,124-25.4% |