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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 | $36,980 | $51,638-28.4% | $68,368-45.9% | $82,448-55.1% |
| Participation rate | 25.5% | 63.6%-38.1pp | 73.8%-48.2pp | 68.1%-42.5pp |
| Annual return | 17.05% | 37.53%-20.5pp | 292.57%-275.5pp | 41.64%-24.6pp |
| Employer contribution / active EE | $160 | $2,047-92.2% | $2,649-94.0% | $2,551-93.7% |
| Participant deferral / active EE | $1,451 | $2,914-50.2% | $4,123-64.8% | $4,139-64.9% |
| Admin fee / account holder | $5,758 | $4,643+24.0% | $5,150+11.8% | $7,234-20.4% |