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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 | $111,814-51.1% | $103,374-47.1% | $145,959-62.6% |
| Participation rate | 36.4% | 77.9%-41.6pp | 74.5%-38.1pp | 80.3%-43.9pp |
| Annual return | 17.23% | 24.77%-7.5pp | 24.89%-7.7pp | 561.95%-544.7pp |
| Employer contribution / active EE | $200 | $4,214-95.3% | $3,869-94.8% | $4,661-95.7% |
| Participant deferral / active EE | $5,460 | $5,618-2.8% | $5,058+8.0% | $6,689-18.4% |
| Admin fee / account holder | $2,619 | $9,754-73.1% | $8,394-68.8% | $13,398-80.4% |