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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 | $56,007 | $102,422-45.3% | $147,117-61.9% | $80,959-30.8% |
| Participation rate | 53.9% | 75.9%-21.9pp | 82.2%-28.3pp | 67.7%-13.7pp |
| Annual return | 17.31% | 135.16%-117.8pp | 420.54%-403.2pp | 35.67%-18.4pp |
| Employer contribution / active EE | $37 | $3,717-99.0% | $4,932-99.2% | $2,757-98.7% |
| Participant deferral / active EE | $4,244 | $6,652-36.2% | $8,065-47.4% | $4,300-1.3% |
| Admin fee / account holder | $6,389 | $7,953-19.7% | $12,993-50.8% | $6,925-7.7% |