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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 | $73,138 | $89,367-18.2% | $141,191-48.2% | $72,975+0.2% |
| Participation rate | 69.0% | 75.1%-6.1pp | 82.5%-13.4pp | 69.5%-0.4pp |
| Annual return | 22.04% | 111.87%-89.8pp | 71.41%-49.4pp | 81.01%-59.0pp |
| Employer contribution / active EE | $0 | $3,115-100.0% | $4,736-100.0% | $2,440-100.0% |
| Participant deferral / active EE | $6,227 | $5,419+14.9% | $6,710-7.2% | $3,608+72.6% |
| Admin fee / account holder | $9,375 | $5,957+57.4% | $10,264-8.7% | $5,124+83.0% |