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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 | $59,764 | $181,896-67.1% | $156,551-61.8% | $273,972-78.2% |
| Participation rate | 52.9% | 88.4%-35.4pp | 84.0%-31.1pp | 83.0%-30.1pp |
| Annual return | 5.88% | 30.74%-24.9pp | 32.23%-26.3pp | 41.46%-35.6pp |
| Employer contribution / active EE | $112 | $6,248-98.2% | $5,501-98.0% | $4,869-97.7% |
| Participant deferral / active EE | $3,175 | $5,550-42.8% | $4,871-34.8% | $5,287-40.0% |
| Admin fee / account holder | $23,751 | $15,560+52.6% | $13,028+82.3% | $10,133+134.4% |