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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 | $35,097 | $69,137-49.2% | $182,153-80.7% | $94,015-62.7% |
| Participation rate | 53.1% | 59.6%-6.5pp | 65.7%-12.6pp | 70.8%-17.7pp |
| Annual return | 11.97% | 21.34%-9.4pp | 35.04%-23.1pp | 17.84%-5.9pp |
| Employer contribution / active EE | $0 | $2,152-100.0% | $2,593-100.0% | $2,790-100.0% |
| Participant deferral / active EE | $1,596 | $2,665-40.1% | $3,776-57.7% | $4,249-62.4% |
| Admin fee / account holder | $1,326 | $11,615-88.6% | $9,477-86.0% | $8,951-85.2% |