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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 | $58,868+35.7% | $191,597-58.3% | $64,097+24.6% |
| Participation rate | 44.5% | 50.0%-5.5pp | 76.9%-32.4pp | 55.2%-10.7pp |
| Annual return | 14.98% | 31.54%-16.6pp | 27.07%-12.1pp | 34.64%-19.7pp |
| Employer contribution / active EE | -$0 | $2,243-100.0% | $5,025-100.0% | $1,891-100.0% |
| Participant deferral / active EE | $2,940 | $3,724-21.1% | $6,850-57.1% | $3,080-4.6% |
| Admin fee / account holder | $21,446 | $4,871+340.2% | $22,799-5.9% | $3,454+520.8% |