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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 | $62,799 | $81,331-22.8% | $155,534-59.6% | $80,935-22.4% |
| Participation rate | 53.1% | 66.3%-13.1pp | 78.2%-25.1pp | 67.7%-14.5pp |
| Annual return | 17.04% | 33.37%-16.3pp | 64.92%-47.9pp | 35.66%-18.6pp |
| Employer contribution / active EE | $0 | $3,105-100.0% | $4,675-100.0% | $2,757-100.0% |
| Participant deferral / active EE | $3,135 | $3,454-9.2% | $5,630-44.3% | $4,299-27.1% |
| Admin fee / account holder | $16,841 | $7,999+110.5% | $15,900+5.9% | $6,924+143.2% |