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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 | $114,712+8.1% | $173,730-28.6% | $87,485+41.7% |
| Participation rate | 50.7% | 73.0%-22.3pp | 79.6%-28.8pp | 68.9%-18.2pp |
| Annual return | 11.99% | 20.18%-8.2pp | 19.96%-8.0pp | 26.06%-14.1pp |
| Employer contribution / active EE | $0 | $2,904-100.0% | $4,577-100.0% | $2,596-100.0% |
| Participant deferral / active EE | $4,028 | $4,642-13.2% | $6,326-36.3% | $4,274-5.8% |
| Admin fee / account holder | $7,015 | $10,210-31.3% | $17,523-60.0% | $7,775-9.8% |