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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 | $74,415 | $106,280-30.0% | $96,538-22.9% | $139,487-46.7% |
| Participation rate | 16.7% | 77.8%-61.2pp | 74.3%-57.7pp | 80.3%-63.7pp |
| Annual return | 14.71% | 38.48%-23.8pp | 35.74%-21.0pp | 373.84%-359.1pp |
| Employer contribution / active EE | $640 | $4,107-84.4% | $3,740-82.9% | $4,755-86.5% |
| Participant deferral / active EE | $1,513 | $5,457-72.3% | $4,880-69.0% | $6,713-77.5% |
| Admin fee / account holder | $25,801 | $7,888+227.1% | $6,737+283.0% | $11,407+126.2% |