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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 | $51,001 | $103,393-50.7% | $87,103-41.4% | $152,909-66.6% |
| Participation rate | 23.1% | 79.4%-56.3pp | 76.9%-53.8pp | 82.5%-59.4pp |
| Annual return | 18.78% | 28.10%-9.3pp | 28.19%-9.4pp | 345.46%-326.7pp |
| Employer contribution / active EE | $306 | $3,221-90.5% | $2,521-87.9% | $4,764-93.6% |
| Participant deferral / active EE | $1,715 | $4,778-64.1% | $4,049-57.6% | $5,851-70.7% |
| Admin fee / account holder | $432 | $12,195-96.5% | $7,491-94.2% | $11,601-96.3% |