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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 | $68,079 | $56,894+19.7% | $84,753-19.7% | $62,881+8.3% |
| Participation rate | 48.6% | 68.5%-20.0pp | 76.6%-28.0pp | 69.3%-20.7pp |
| Annual return | 5.58% | 6.30%-0.7pp | 22.78%-17.2pp | 20.14%-14.6pp |
| Employer contribution / active EE | $75 | $2,400-96.9% | $3,574-97.9% | $2,281-96.7% |
| Participant deferral / active EE | $1,157 | $2,709-57.3% | $3,712-68.8% | $3,203-63.9% |
| Admin fee / account holder | $1,545 | $3,581-56.9% | $5,333-71.0% | $4,296-64.0% |