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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 | $13,457 | $88,996-84.9% | $78,004-82.7% | $138,895-90.3% |
| Participation rate | 68.2% | 74.4%-6.2pp | 69.4%-1.3pp | 79.9%-11.7pp |
| Annual return | 18.51% | 28.03%-9.5pp | 31.07%-12.6pp | 145.39%-126.9pp |
| Employer contribution / active EE | $0 | $2,917-100.0% | $2,469-100.0% | $4,194-100.0% |
| Participant deferral / active EE | $4,461 | $4,724-5.6% | $4,092+9.0% | $6,396-30.2% |
| Admin fee / account holder | $870 | $8,807-90.1% | $7,578-88.5% | $12,562-93.1% |