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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 | $47,370 | $87,546-45.9% | $75,784-37.5% | $125,389-62.2% |
| Participation rate | 45.0% | 80.2%-35.2pp | 75.8%-30.8pp | 83.2%-38.2pp |
| Annual return | 1.52% | 13.49%-12.0pp | 9.68%-8.2pp | 282.24%-280.7pp |
| Employer contribution / active EE | $193 | $3,930-95.1% | $3,323-94.2% | $4,866-96.0% |
| Participant deferral / active EE | $1,445 | $4,230-65.8% | $3,652-60.4% | $5,352-73.0% |
| Admin fee / account holder | $7,369 | $6,503+13.3% | $5,300+39.0% | $9,541-22.8% |