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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 | $69,044 | $110,410-37.5% | $102,437-32.6% | $145,897-52.7% |
| Participation rate | 30.0% | 77.9%-47.9pp | 74.5%-44.5pp | 80.3%-50.3pp |
| Annual return | 11.79% | 24.85%-13.1pp | 24.95%-13.2pp | 552.29%-540.5pp |
| Employer contribution / active EE | $477 | $4,217-88.7% | $3,871-87.7% | $4,663-89.8% |
| Participant deferral / active EE | $4,502 | $5,622-19.9% | $5,060-11.0% | $6,689-32.7% |
| Admin fee / account holder | $2,032 | $9,745-79.1% | $8,388-75.8% | $13,390-84.8% |