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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 | $79,866 | $68,868+16.0% | $183,328-56.4% | $67,986+17.5% |
| Participation rate | 44.5% | 57.0%-12.5pp | 77.3%-32.8pp | 57.2%-12.7pp |
| Annual return | 14.98% | 28.80%-13.8pp | 29.67%-14.7pp | 31.67%-16.7pp |
| Employer contribution / active EE | -$0 | $2,917-100.0% | $5,055-100.0% | $2,019-100.0% |
| Participant deferral / active EE | $2,940 | $4,364-32.6% | $6,795-56.7% | $3,358-12.5% |
| Admin fee / account holder | $21,446 | $3,805+463.6% | $21,427+0.1% | $3,203+569.5% |