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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 | $36,949 | $56,054-34.1% | $171,082-78.4% | $62,881-41.2% |
| Participation rate | 65.9% | 62.9%+3.0pp | 76.7%-10.8pp | 69.3%-3.4pp |
| Annual return | 9.66% | 22.52%-12.9pp | 32.56%-22.9pp | 20.14%-10.5pp |
| Employer contribution / active EE | $0 | $1,731-100.0% | $4,002-100.0% | $2,281-100.0% |
| Participant deferral / active EE | $4,076 | $3,158+29.1% | $4,797-15.0% | $3,203+27.3% |
| Admin fee / account holder | $1,182 | $3,647-67.6% | $8,520-86.1% | $4,296-72.5% |