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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 | $102,429-45.3% | $147,096-61.9% | $80,925-30.8% |
| Participation rate | 53.9% | 75.9%-21.9pp | 82.2%-28.2pp | 67.7%-13.7pp |
| Annual return | 17.31% | 135.02%-117.7pp | 419.75%-402.4pp | 35.65%-18.3pp |
| Employer contribution / active EE | $37 | $3,716-99.0% | $4,936-99.2% | $2,756-98.7% |
| Participant deferral / active EE | $4,244 | $6,649-36.2% | $8,071-47.4% | $4,299-1.3% |
| Admin fee / account holder | $6,389 | $7,957-19.7% | $13,005-50.9% | $6,940-7.9% |