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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 | $52,221 | $127,386-59.0% | $115,037-54.6% | $125,388-58.4% |
| Participation rate | 33.3% | 84.2%-50.8pp | 81.4%-48.0pp | 83.2%-49.9pp |
| Annual return | -0.83% | 31.28%-32.1pp | 26.14%-27.0pp | 282.24%-283.1pp |
| Employer contribution / active EE | $694 | $5,166-86.6% | $4,608-84.9% | $4,866-85.7% |
| Participant deferral / active EE | $2,726 | $6,423-57.6% | $6,026-54.8% | $5,352-49.1% |
| Admin fee / account holder | $1,826 | $9,516-80.8% | $8,175-77.7% | $9,541-80.9% |