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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 | $33,137 | $112,729-70.6% | $98,716-66.4% | $137,256-75.9% |
| Participation rate | 52.2% | 74.2%-22.1pp | 69.3%-17.1pp | 80.0%-27.8pp |
| Annual return | 18.06% | 38.48%-20.4pp | 31.81%-13.7pp | 220.34%-202.3pp |
| Employer contribution / active EE | $0 | $2,725-100.0% | $2,279-100.0% | $4,156-100.0% |
| Participant deferral / active EE | $4,342 | $4,640-6.4% | $4,048+7.3% | $6,407-32.2% |
| Admin fee / account holder | $814 | $10,129-92.0% | $8,703-90.6% | $12,270-93.4% |