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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 | $72,778 | $43,075+69.0% | $74,577-2.4% | $62,881+15.7% |
| Participation rate | 38.3% | 58.1%-19.8pp | 68.1%-29.8pp | 69.3%-31.0pp |
| Annual return | 8.28% | 17.50%-9.2pp | 20.47%-12.2pp | 20.14%-11.9pp |
| Employer contribution / active EE | $0 | $1,498-100.0% | $2,525-100.0% | $2,281-100.0% |
| Participant deferral / active EE | $2,153 | $2,389-9.9% | $3,458-37.8% | $3,203-32.8% |
| Admin fee / account holder | $1,346 | $2,840-52.6% | $4,138-67.5% | $4,296-68.7% |