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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 | $82,695 | $73,988+11.8% | $96,538-14.3% | $75,177+10.0% |
| Participation rate | 52.0% | 66.4%-14.4pp | 74.3%-22.3pp | 67.2%-15.2pp |
| Annual return | 16.16% | 26.73%-10.6pp | 35.74%-19.6pp | 160.75%-144.6pp |
| Employer contribution / active EE | $0 | $2,930-100.0% | $3,740-100.0% | $2,671-100.0% |
| Participant deferral / active EE | $3,564 | $3,660-2.6% | $4,880-27.0% | $4,126-13.6% |
| Admin fee / account holder | $1,057 | $5,220-79.7% | $6,737-84.3% | $5,651-81.3% |