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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 | $37,353 | $110,240-66.1% | $96,544-61.3% | $139,487-73.2% |
| Participation rate | 46.2% | 78.1%-32.0pp | 76.0%-29.8pp | 80.3%-34.2pp |
| Annual return | 10.96% | 26.41%-15.5pp | 25.88%-14.9pp | 373.84%-362.9pp |
| Employer contribution / active EE | $690 | $3,622-80.9% | $2,966-76.7% | $4,755-85.5% |
| Participant deferral / active EE | $2,291 | $5,549-58.7% | $4,851-52.8% | $6,713-65.9% |
| Admin fee / account holder | $6,727 | $11,602-42.0% | $8,254-18.5% | $11,407-41.0% |