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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 | $33,067 | $77,920-57.6% | $149,723-77.9% | $75,177-56.0% |
| Participation rate | 29.0% | 65.6%-36.6pp | 78.8%-49.7pp | 67.2%-38.2pp |
| Annual return | 18.51% | 31.72%-13.2pp | 134.50%-116.0pp | 160.75%-142.2pp |
| Employer contribution / active EE | $363 | $3,138-88.4% | $4,821-92.5% | $2,671-86.4% |
| Participant deferral / active EE | $1,029 | $3,411-69.8% | $5,682-81.9% | $4,126-75.1% |
| Admin fee / account holder | $875 | $5,951-85.3% | $13,215-93.4% | $5,651-84.5% |