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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 | $32,085 | $73,978-56.6% | $96,515-66.8% | $75,173-57.3% |
| Participation rate | 22.6% | 66.4%-43.8pp | 74.3%-51.7pp | 67.2%-44.6pp |
| Annual return | 19.47% | 26.72%-7.3pp | 35.73%-16.3pp | 160.72%-141.3pp |
| Employer contribution / active EE | $598 | $2,931-79.6% | $3,740-84.0% | $2,671-77.6% |
| Participant deferral / active EE | $1,466 | $3,660-60.0% | $4,880-70.0% | $4,126-64.5% |
| Admin fee / account holder | $9,364 | $5,219+79.4% | $6,735+39.0% | $5,651+65.7% |