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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 | $110,379-34.4% | $102,412-29.3% | $145,884-50.3% |
| Participation rate | 36.4% | 77.9%-41.6pp | 74.5%-38.1pp | 80.3%-43.9pp |
| Annual return | 9.43% | 24.84%-15.4pp | 24.94%-15.5pp | 551.85%-542.4pp |
| Employer contribution / active EE | $366 | $4,216-91.3% | $3,870-90.5% | $4,662-92.1% |
| Participant deferral / active EE | $1,727 | $5,622-69.3% | $5,060-65.9% | $6,690-74.2% |
| Admin fee / account holder | $56,185 | $9,745+476.6% | $8,388+569.9% | $13,392+319.5% |