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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 | $33,799 | $70,418-52.0% | $96,570-65.0% | $85,847-60.6% |
| Participation rate | 34.8% | 61.8%-27.0pp | 69.8%-35.0pp | 69.3%-34.5pp |
| Annual return | 12.82% | 18.59%-5.8pp | 37.79%-25.0pp | 318.61%-305.8pp |
| Employer contribution / active EE | $92 | $1,413-93.5% | $2,357-96.1% | $2,565-96.4% |
| Participant deferral / active EE | $2,968 | $2,894+2.6% | $3,849-22.9% | $3,952-24.9% |
| Admin fee / account holder | $11,179 | $4,995+123.8% | $6,182+80.8% | $6,261+78.6% |