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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 | $67,014 | $78,670-14.8% | $109,173-38.6% | $85,847-21.9% |
| Participation rate | 28.0% | 68.3%-40.3pp | 75.9%-47.9pp | 69.3%-41.3pp |
| Annual return | 14.10% | 25.09%-11.0pp | 25.75%-11.7pp | 318.61%-304.5pp |
| Employer contribution / active EE | $597 | $2,734-78.2% | $3,723-84.0% | $2,565-76.7% |
| Participant deferral / active EE | $2,598 | $3,467-25.1% | $4,654-44.2% | $3,952-34.3% |
| Admin fee / account holder | $2,765 | $5,469-49.5% | $6,755-59.1% | $6,261-55.8% |