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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 | $46,860 | $77,908-39.9% | $149,696-68.7% | $75,173-37.7% |
| Participation rate | 46.4% | 65.6%-19.2pp | 78.8%-32.3pp | 67.2%-20.8pp |
| Annual return | 17.57% | 31.73%-14.2pp | 134.46%-116.9pp | 160.72%-143.2pp |
| Employer contribution / active EE | $0 | $3,138-100.0% | $4,821-100.0% | $2,671-100.0% |
| Participant deferral / active EE | $2,074 | $3,411-39.2% | $5,682-63.5% | $4,126-49.7% |
| Admin fee / account holder | $2,946 | $5,950-50.5% | $13,212-77.7% | $5,651-47.9% |