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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 | $58,247 | $124,346-53.2% | $111,306-47.7% | $167,553-65.2% |
| Participation rate | 31.3% | 79.6%-48.4pp | 77.3%-46.1pp | 82.1%-50.9pp |
| Annual return | 14.46% | 37.46%-23.0pp | 54.67%-40.2pp | 478.89%-464.4pp |
| Employer contribution / active EE | $379 | $3,438-89.0% | $2,732-86.1% | $4,840-92.2% |
| Participant deferral / active EE | $2,052 | $5,182-60.4% | $4,488-54.3% | $6,343-67.7% |
| Admin fee / account holder | $6,478 | $10,623-39.0% | $7,966-18.7% | $12,316-47.4% |