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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 | $35,620 | $110,410-67.7% | $102,437-65.2% | $145,897-75.6% |
| Participation rate | 62.5% | 77.9%-15.4pp | 74.5%-12.0pp | 80.3%-17.8pp |
| Annual return | 14.62% | 24.85%-10.2pp | 24.95%-10.3pp | 552.29%-537.7pp |
| Employer contribution / active EE | $737 | $4,217-82.5% | $3,871-81.0% | $4,663-84.2% |
| Participant deferral / active EE | $1,671 | $5,622-70.3% | $5,060-67.0% | $6,689-75.0% |
| Admin fee / account holder | $901 | $9,745-90.8% | $8,388-89.3% | $13,390-93.3% |