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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 | $41,104 | $71,215-42.3% | $93,696-56.1% | $80,935-49.2% |
| Participation rate | 68.4% | 60.4%+8.0pp | 68.7%-0.3pp | 67.7%+0.8pp |
| Annual return | 15.83% | 11.27%+4.6pp | 133.74%-117.9pp | 35.66%-19.8pp |
| Employer contribution / active EE | $0 | $1,565-100.0% | $2,422-100.0% | $2,757-100.0% |
| Participant deferral / active EE | $3,827 | $4,037-5.2% | $4,417-13.4% | $4,299-11.0% |
| Admin fee / account holder | $983 | $6,958-85.9% | $8,287-88.1% | $6,924-85.8% |