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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 | $53,727 | $67,411-20.3% | $91,004-41.0% | $70,126-23.4% |
| Participation rate | 62.0% | 71.4%-9.4pp | 75.6%-13.6pp | 69.5%-7.6pp |
| Annual return | 16.29% | -40.16%+56.5pp | 4.60%+11.7pp | 73.15%-56.9pp |
| Employer contribution / active EE | $27 | $1,786-98.5% | $2,456-98.9% | $2,343-98.9% |
| Participant deferral / active EE | $3,105 | $2,823+10.0% | $3,548-12.5% | $3,332-6.8% |
| Admin fee / account holder | $15,538 | $4,236+266.8% | $5,417+186.8% | $4,645+234.5% |