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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 | $65,922 | $88,042-25.1% | $138,135-52.3% | $79,852-17.4% |
| Participation rate | 48.1% | 71.4%-23.3pp | 78.7%-30.6pp | 69.6%-21.5pp |
| Annual return | 0.00% | 20.58%-20.6pp | 20.51%-20.5pp | 31.72%-31.7pp |
| Employer contribution / active EE | $0 | $3,103-100.0% | $5,587-100.0% | $2,471-100.0% |
| Participant deferral / active EE | $2,264 | $4,704-51.9% | $6,431-64.8% | $3,740-39.5% |
| Admin fee / account holder | $315 | $7,791-96.0% | $11,856-97.3% | $5,306-94.1% |