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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 | $76,113 | $122,063-37.6% | $184,256-58.7% | $74,478+2.2% |
| Participation rate | 57.0% | 85.5%-28.5pp | 86.8%-29.8pp | 67.2%-10.2pp |
| Annual return | 14.73% | 19.92%-5.2pp | 28.85%-14.1pp | 1370.56%-1355.8pp |
| Employer contribution / active EE | $1,144 | $4,539-74.8% | $6,427-82.2% | $2,626-56.4% |
| Participant deferral / active EE | $5,217 | $7,144-27.0% | $9,133-42.9% | $4,350+19.9% |
| Admin fee / account holder | $1,589 | $1,253+26.9% | $13,899-88.6% | $1,946-18.3% |