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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 | $45,595 | $76,696-40.6% | $96,538-52.8% | $71,529-36.3% |
| Participation rate | 39.8% | 66.6%-26.7pp | 74.3%-34.5pp | 67.9%-28.1pp |
| Annual return | 18.26% | 48.32%-30.1pp | 35.74%-17.5pp | 28.97%-10.7pp |
| Employer contribution / active EE | $447 | $3,032-85.3% | $3,740-88.0% | $2,590-82.7% |
| Participant deferral / active EE | $2,534 | $3,770-32.8% | $4,880-48.1% | $4,291-41.0% |
| Admin fee / account holder | $9,356 | $2,030+360.9% | $6,737+38.9% | $1,588+489.0% |