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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 | $65,739 | $136,860-52.0% | $120,344-45.4% | $154,746-57.5% |
| Participation rate | 60.9% | 79.9%-19.0pp | 76.7%-15.8pp | 80.7%-19.8pp |
| Annual return | 10.23% | 21.38%-11.1pp | 20.30%-10.1pp | 172.34%-162.1pp |
| Employer contribution / active EE | $0 | $3,533-100.0% | $3,020-100.0% | $4,379-100.0% |
| Participant deferral / active EE | $4,353 | $5,793-24.9% | $5,135-15.2% | $6,730-35.3% |
| Admin fee / account holder | $2,222 | $15,393-85.6% | $12,742-82.6% | $14,365-84.5% |