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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 | $33,118 | $81,358-59.3% | $155,556-78.7% | $80,959-59.1% |
| Participation rate | 12.1% | 66.3%-54.2pp | 78.2%-66.1pp | 67.7%-55.6pp |
| Annual return | 10.84% | 33.39%-22.5pp | 64.84%-54.0pp | 35.67%-24.8pp |
| Employer contribution / active EE | $311 | $3,106-90.0% | $4,675-93.4% | $2,757-88.7% |
| Participant deferral / active EE | $1,064 | $3,455-69.2% | $5,631-81.1% | $4,300-75.3% |
| Admin fee / account holder | $1,752 | $7,994-78.1% | $15,885-89.0% | $6,925-74.7% |