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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 | $56,736 | $77,908-27.2% | $149,696-62.1% | $75,173-24.5% |
| Participation rate | 35.0% | 65.6%-30.6pp | 78.8%-43.8pp | 67.2%-32.2pp |
| Annual return | 17.79% | 31.73%-13.9pp | 134.46%-116.7pp | 160.72%-142.9pp |
| Employer contribution / active EE | $161 | $3,138-94.9% | $4,821-96.7% | $2,671-94.0% |
| Participant deferral / active EE | $4,551 | $3,411+33.4% | $5,682-19.9% | $4,126+10.3% |
| Admin fee / account holder | $892 | $5,950-85.0% | $13,212-93.2% | $5,651-84.2% |