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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 | $37,517 | $81,233-53.8% | $155,567-75.9% | $80,874-53.6% |
| Participation rate | 24.0% | 66.2%-42.2pp | 78.2%-54.2pp | 67.6%-43.6pp |
| Annual return | 10.87% | 33.33%-22.5pp | 64.74%-53.9pp | 35.62%-24.7pp |
| Employer contribution / active EE | $183 | $3,101-94.1% | $4,674-96.1% | $2,756-93.4% |
| Participant deferral / active EE | $1,834 | $3,452-46.9% | $5,628-67.4% | $4,297-57.3% |
| Admin fee / account holder | $2,795 | $7,998-65.1% | $15,916-82.4% | $6,935-59.7% |