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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 | $77,343 | $78,682-1.7% | $109,188-29.2% | $85,851-9.9% |
| Participation rate | 46.2% | 68.3%-22.1pp | 75.9%-29.7pp | 69.3%-23.2pp |
| Annual return | 11.73% | 25.09%-13.4pp | 25.76%-14.0pp | 318.63%-306.9pp |
| Employer contribution / active EE | $0 | $2,734-100.0% | $3,723-100.0% | $2,565-100.0% |
| Participant deferral / active EE | $2,799 | $3,468-19.3% | $4,654-39.8% | $3,952-29.2% |
| Admin fee / account holder | $344 | $5,470-93.7% | $6,755-94.9% | $6,261-94.5% |