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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 | $138,312-60.3% | $122,979-55.3% | $155,188-64.6% |
| Participation rate | 33.3% | 80.2%-46.9pp | 77.2%-43.9pp | 80.8%-47.5pp |
| Annual return | 18.94% | 22.06%-3.1pp | 20.12%-1.2pp | 148.84%-129.9pp |
| Employer contribution / active EE | $591 | $3,530-83.3% | $3,062-80.7% | $4,248-86.1% |
| Participant deferral / active EE | $3,979 | $5,592-28.9% | $5,003-20.5% | $6,531-39.1% |
| Admin fee / account holder | $1,666 | $15,089-89.0% | $12,864-87.0% | $14,480-88.5% |