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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 | $67,142 | $124,351-46.0% | $109,188-38.5% | $167,553-59.9% |
| Participation rate | 40.0% | 79.4%-39.4pp | 75.9%-35.9pp | 82.1%-42.1pp |
| Annual return | 26.93% | 26.04%+0.9pp | 25.76%+1.2pp | 478.89%-452.0pp |
| Employer contribution / active EE | $0 | $4,210-100.0% | $3,723-100.0% | $4,840-100.0% |
| Participant deferral / active EE | $5,850 | $5,257+11.3% | $4,654+25.7% | $6,343-7.8% |
| Admin fee / account holder | $4,681 | $7,975-41.3% | $6,755-30.7% | $12,316-62.0% |