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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 | $65,802 | $153,769-57.2% | $133,975-50.9% | $273,972-76.0% |
| Participation rate | 33.3% | 88.4%-55.0pp | 87.1%-53.7pp | 83.0%-49.7pp |
| Annual return | 6.77% | 36.51%-29.7pp | 29.29%-22.5pp | 41.46%-34.7pp |
| Employer contribution / active EE | $373 | $6,029-93.8% | $5,211-92.8% | $4,869-92.3% |
| Participant deferral / active EE | $5,083 | $6,958-26.9% | $6,282-19.1% | $5,287-3.9% |
| Admin fee / account holder | $407 | $11,765-96.5% | $9,324-95.6% | $10,133-96.0% |