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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 | $50,892 | $65,367-22.1% | $92,915-45.2% | $72,976-30.3% |
| Participation rate | 64.6% | 68.3%-3.7pp | 76.0%-11.4pp | 69.5%-4.9pp |
| Annual return | 18.23% | 42.11%-23.9pp | 109.45%-91.2pp | 81.02%-62.8pp |
| Employer contribution / active EE | $0 | $2,594-100.0% | $3,653-100.0% | $2,440-100.0% |
| Participant deferral / active EE | $2,238 | $3,128-28.5% | $4,238-47.2% | $3,608-38.0% |
| Admin fee / account holder | $7,356 | $4,251+73.0% | $5,796+26.9% | $5,124+43.6% |