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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 | $72,891 | $78,520-7.2% | $96,576-24.5% | $82,448-11.6% |
| Participation rate | 37.0% | 77.7%-40.7pp | 81.4%-44.4pp | 68.1%-31.0pp |
| Annual return | 16.62% | 41.30%-24.7pp | 38.47%-21.9pp | 41.64%-25.0pp |
| Employer contribution / active EE | $0 | $2,630-100.0% | $3,553-100.0% | $2,551-100.0% |
| Participant deferral / active EE | $4,206 | $6,754-37.7% | $7,956-47.1% | $4,139+1.6% |
| Admin fee / account holder | $428 | $13,455-96.8% | $11,381-96.2% | $7,234-94.1% |