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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 | $70,357 | $91,559-23.2% | $133,971-47.5% | $79,852-11.9% |
| Participation rate | 34.0% | 73.3%-39.4pp | 79.8%-45.9pp | 69.6%-35.7pp |
| Annual return | 21.85% | 61.85%-40.0pp | 45.09%-23.2pp | 31.72%-9.9pp |
| Employer contribution / active EE | $130 | $2,384-94.6% | $3,919-96.7% | $2,471-94.8% |
| Participant deferral / active EE | $2,062 | $3,734-44.8% | $5,047-59.2% | $3,740-44.9% |
| Admin fee / account holder | $8,180 | $6,321+29.4% | $8,929-8.4% | $5,306+54.2% |