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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 | $91,304 | $98,766-7.6% | $149,730-39.0% | $79,852+14.3% |
| Participation rate | 38.7% | 75.8%-37.1pp | 82.5%-43.8pp | 69.6%-30.9pp |
| Annual return | 13.77% | 27.43%-13.7pp | 276.70%-262.9pp | 31.72%-17.9pp |
| Employer contribution / active EE | $12 | $3,217-99.6% | $4,645-99.7% | $2,471-99.5% |
| Participant deferral / active EE | $5,752 | $5,681+1.2% | $6,843-15.9% | $3,740+53.8% |
| Admin fee / account holder | $2,272 | $6,052-62.5% | $9,310-75.6% | $5,306-57.2% |