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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 | $63,169 | $107,666-41.3% | $102,184-38.2% | $154,746-59.2% |
| Participation rate | 33.3% | 83.7%-50.4pp | 82.6%-49.3pp | 80.7%-47.4pp |
| Annual return | 17.15% | 29.33%-12.2pp | 31.58%-14.4pp | 172.34%-155.2pp |
| Employer contribution / active EE | $0 | $3,846-100.0% | $3,594-100.0% | $4,379-100.0% |
| Participant deferral / active EE | $4,118 | $8,719-52.8% | $8,309-50.4% | $6,730-38.8% |
| Admin fee / account holder | $1,094 | $12,943-91.5% | $11,609-90.6% | $14,365-92.4% |