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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 | $54,659 | $110,337-50.5% | $102,383-46.6% | $145,877-62.5% |
| Participation rate | 36.4% | 77.9%-41.6pp | 74.5%-38.1pp | 80.3%-43.9pp |
| Annual return | 17.23% | 24.83%-7.6pp | 24.94%-7.7pp | 551.28%-534.1pp |
| Employer contribution / active EE | $200 | $4,216-95.3% | $3,870-94.8% | $4,663-95.7% |
| Participant deferral / active EE | $5,460 | $5,621-2.9% | $5,060+7.9% | $6,691-18.4% |
| Admin fee / account holder | $2,619 | $9,750-73.1% | $8,391-68.8% | $13,402-80.5% |