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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 | $46,170 | $110,240-58.1% | $96,544-52.2% | $139,487-66.9% |
| Participation rate | 55.6% | 78.1%-22.6pp | 76.0%-20.4pp | 80.3%-24.8pp |
| Annual return | 12.76% | 26.41%-13.7pp | 25.88%-13.1pp | 373.84%-361.1pp |
| Employer contribution / active EE | $515 | $3,622-85.8% | $2,966-82.6% | $4,755-89.2% |
| Participant deferral / active EE | $4,180 | $5,549-24.7% | $4,851-13.8% | $6,713-37.7% |
| Admin fee / account holder | $17,792 | $11,602+53.4% | $8,254+115.6% | $11,407+56.0% |