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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 | $26,059 | $124,980-79.1% | $108,359-76.0% | $154,746-83.2% |
| Participation rate | 43.8% | 75.2%-31.4pp | 70.1%-26.4pp | 80.7%-37.0pp |
| Annual return | 23.27% | 45.00%-21.7pp | 36.89%-13.6pp | 172.34%-149.1pp |
| Employer contribution / active EE | $510 | $2,851-82.1% | $2,399-78.8% | $4,379-88.4% |
| Participant deferral / active EE | $1,774 | $4,743-62.6% | $4,137-57.1% | $6,730-73.6% |
| Admin fee / account holder | $842 | $11,502-92.7% | $9,741-91.4% | $14,365-94.1% |