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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 | $54,933 | $126,661-56.6% | $113,397-51.6% | $138,895-60.5% |
| Participation rate | 33.3% | 79.4%-46.1pp | 76.5%-43.2pp | 79.9%-46.6pp |
| Annual return | 18.94% | 25.05%-6.1pp | 23.20%-4.3pp | 145.39%-126.5pp |
| Employer contribution / active EE | $591 | $3,456-82.9% | $2,977-80.2% | $4,194-85.9% |
| Participant deferral / active EE | $3,979 | $5,693-30.1% | $5,076-21.6% | $6,396-37.8% |
| Admin fee / account holder | $1,666 | $14,549-88.5% | $11,957-86.1% | $12,562-86.7% |