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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 | $42,606 | $215,361-80.2% | $171,082-75.1% | $273,972-84.4% |
| Participation rate | 57.1% | 82.0%-24.9pp | 76.7%-19.6pp | 83.0%-25.9pp |
| Annual return | 7.03% | 25.14%-18.1pp | 32.56%-25.5pp | 41.46%-34.4pp |
| Employer contribution / active EE | $0 | $4,967-100.0% | $4,002-100.0% | $4,869-100.0% |
| Participant deferral / active EE | $2,561 | $5,543-53.8% | $4,797-46.6% | $5,287-51.6% |
| Admin fee / account holder | $17,875 | $10,846+64.8% | $8,520+109.8% | $10,133+76.4% |