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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 | $123,982 | $123,478+0.4% | $216,567-42.8% | $94,015+31.9% |
| Participation rate | 50.7% | 75.1%-24.4pp | 81.6%-30.9pp | 70.8%-20.1pp |
| Annual return | 11.99% | 23.61%-11.6pp | 12.94%-0.9pp | 17.84%-5.8pp |
| Employer contribution / active EE | $0 | $3,136-100.0% | $5,216-100.0% | $2,790-100.0% |
| Participant deferral / active EE | $4,028 | $4,556-11.6% | $6,191-34.9% | $4,249-5.2% |
| Admin fee / account holder | $7,015 | $12,753-45.0% | $21,981-68.1% | $8,951-21.6% |