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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 | $44,578 | $65,566-32.0% | $86,235-48.3% | $75,177-40.7% |
| Participation rate | 62.0% | 60.5%+1.5pp | 69.0%-7.0pp | 67.2%-5.2pp |
| Annual return | 19.42% | 46.07%-26.7pp | 1170.03%-1150.6pp | 160.75%-141.3pp |
| Employer contribution / active EE | $345 | $1,553-77.8% | $2,381-85.5% | $2,671-87.1% |
| Participant deferral / active EE | $2,290 | $3,023-24.2% | $3,987-42.6% | $4,126-44.5% |
| Admin fee / account holder | $689 | $5,470-87.4% | $6,856-90.0% | $5,651-87.8% |