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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 | $84,712 | $71,230+18.9% | $93,727-9.6% | $80,959+4.6% |
| Participation rate | 49.1% | 60.4%-11.3pp | 68.7%-19.6pp | 67.7%-18.6pp |
| Annual return | 10.75% | 11.26%-0.5pp | 133.83%-123.1pp | 35.67%-24.9pp |
| Employer contribution / active EE | $0 | $1,565-100.0% | $2,421-100.0% | $2,757-100.0% |
| Participant deferral / active EE | $2,010 | $4,037-50.2% | $4,417-54.5% | $4,300-53.3% |
| Admin fee / account holder | $4,355 | $6,961-37.4% | $8,292-47.5% | $6,925-37.1% |