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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 | $51,866 | $45,343+14.4% | $150,298-65.5% | $67,986-23.7% |
| Participation rate | 8.8% | 51.9%-43.1pp | 77.8%-69.0pp | 57.2%-48.4pp |
| Annual return | 15.33% | 33.28%-17.9pp | 62.79%-47.5pp | 31.67%-16.3pp |
| Employer contribution / active EE | $191 | $1,462-86.9% | $4,154-95.4% | $2,019-90.5% |
| Participant deferral / active EE | $743 | $2,055-63.8% | $5,453-86.4% | $3,358-77.9% |
| Admin fee / account holder | $4,151 | $2,250+84.5% | $14,116-70.6% | $3,203+29.6% |