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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 | $33,824 | $167,504-79.8% | $151,628-77.7% | $134,509-74.9% |
| Participation rate | 57.1% | 88.4%-31.2pp | 87.5%-30.4pp | 81.2%-24.1pp |
| Annual return | -5.01% | 7.81%-12.8pp | 3.34%-8.3pp | 418.13%-423.1pp |
| Employer contribution / active EE | $1,160 | $6,828-83.0% | $6,165-81.2% | $4,741-75.5% |
| Participant deferral / active EE | $3,799 | $8,985-57.7% | $8,363-54.6% | $6,400-40.6% |
| Admin fee / account holder | $385 | $13,779-97.2% | $11,613-96.7% | $11,427-96.6% |