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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 | $28,447 | $73,988-61.6% | $96,538-70.5% | $75,177-62.2% |
| Participation rate | 35.5% | 66.4%-30.9pp | 74.3%-38.9pp | 67.2%-31.7pp |
| Annual return | 39.93% | 26.73%+13.2pp | 35.74%+4.2pp | 160.75%-120.8pp |
| Employer contribution / active EE | $615 | $2,930-79.0% | $3,740-83.6% | $2,671-77.0% |
| Participant deferral / active EE | $1,522 | $3,660-58.4% | $4,880-68.8% | $4,126-63.1% |
| Admin fee / account holder | $1,415 | $5,220-72.9% | $6,737-79.0% | $5,651-75.0% |