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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 | $71,522 | $110,337-35.2% | $102,383-30.1% | $145,877-51.0% |
| Participation rate | 63.2% | 77.9%-14.8pp | 74.5%-11.4pp | 80.3%-17.1pp |
| Annual return | 11.81% | 24.83%-13.0pp | 24.94%-13.1pp | 551.28%-539.5pp |
| Employer contribution / active EE | $34 | $4,216-99.2% | $3,870-99.1% | $4,663-99.3% |
| Participant deferral / active EE | $4,369 | $5,621-22.3% | $5,060-13.7% | $6,691-34.7% |
| Admin fee / account holder | $11,672 | $9,750+19.7% | $8,391+39.1% | $13,402-12.9% |