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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 | $82,355 | $63,354+30.0% | $94,105-12.5% | $82,637-0.3% |
| Participation rate | 18.6% | 63.8%-45.2pp | 71.9%-53.3pp | 68.1%-49.4pp |
| Annual return | 15.42% | 34.36%-18.9pp | 204.55%-189.1pp | 53.51%-38.1pp |
| Employer contribution / active EE | $323 | $1,760-81.6% | $2,504-87.1% | $2,552-87.3% |
| Participant deferral / active EE | $1,496 | $2,873-47.9% | $3,881-61.5% | $4,126-63.7% |
| Admin fee / account holder | $1,750 | $5,073-65.5% | $6,199-71.8% | $7,339-76.2% |