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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 | $52,952 | $80,763-34.4% | $102,412-48.3% | $74,459-28.9% |
| Participation rate | 33.8% | 65.7%-31.9pp | 74.5%-40.7pp | 67.2%-33.4pp |
| Annual return | 12.32% | 27.57%-15.2pp | 24.94%-12.6pp | 1369.70%-1357.4pp |
| Employer contribution / active EE | $546 | $3,160-82.7% | $3,870-85.9% | $2,626-79.2% |
| Participant deferral / active EE | $1,980 | $3,862-48.7% | $5,060-60.9% | $4,350-54.5% |
| Admin fee / account holder | $3,906 | $2,371+64.7% | $8,388-53.4% | $1,945+100.9% |