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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 | $73,537 | $72,273+1.7% | $101,275-27.4% | $79,856-7.9% |
| Participation rate | 40.0% | 68.5%-28.5pp | 75.8%-35.8pp | 69.6%-29.6pp |
| Annual return | 16.44% | 22.30%-5.9pp | 46.48%-30.0pp | 31.71%-15.3pp |
| Employer contribution / active EE | $0 | $2,691-100.0% | $3,660-100.0% | $2,471-100.0% |
| Participant deferral / active EE | $2,023 | $3,282-38.3% | $4,371-53.7% | $3,741-45.9% |
| Admin fee / account holder | $393 | $4,401-91.1% | $5,948-93.4% | $5,306-92.6% |