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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 | $52,917 | $72,273-26.8% | $101,275-47.7% | $79,856-33.7% |
| Participation rate | 21.3% | 68.5%-47.1pp | 75.8%-54.5pp | 69.6%-48.3pp |
| Annual return | 16.54% | 22.30%-5.8pp | 46.48%-29.9pp | 31.71%-15.2pp |
| Employer contribution / active EE | $419 | $2,691-84.4% | $3,660-88.5% | $2,471-83.0% |
| Participant deferral / active EE | $1,770 | $3,282-46.1% | $4,371-59.5% | $3,741-52.7% |
| Admin fee / account holder | $8,991 | $4,401+104.3% | $5,948+51.2% | $5,306+69.4% |