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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 | $23,451 | $57,590-59.3% | $86,233-72.8% | $82,448-71.6% |
| Participation rate | 64.0% | 57.9%+6.1pp | 69.0%-5.0pp | 68.1%-4.1pp |
| Annual return | 110.53% | 22.41%+88.1pp | 61.39%+49.1pp | 41.64%+68.9pp |
| Employer contribution / active EE | $0 | $1,655-100.0% | $2,504-100.0% | $2,551-100.0% |
| Participant deferral / active EE | $3,290 | $3,080+6.8% | $4,559-27.8% | $4,139-20.5% |
| Admin fee / account holder | $2,311 | $4,730-51.1% | $8,342-72.3% | $7,234-68.1% |