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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 | $72,436 | $110,410-34.4% | $102,437-29.3% | $145,897-50.4% |
| Participation rate | 36.4% | 77.9%-41.6pp | 74.5%-38.1pp | 80.3%-43.9pp |
| Annual return | 9.43% | 24.85%-15.4pp | 24.95%-15.5pp | 552.29%-542.9pp |
| Employer contribution / active EE | $366 | $4,217-91.3% | $3,871-90.5% | $4,663-92.1% |
| Participant deferral / active EE | $1,727 | $5,622-69.3% | $5,060-65.9% | $6,689-74.2% |
| Admin fee / account holder | $56,185 | $9,745+476.5% | $8,388+569.8% | $13,390+319.6% |