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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 | $46,289 | $125,797-63.2% | $170,043-72.8% | $75,173-38.4% |
| Participation rate | 31.4% | 83.6%-52.2pp | 87.0%-55.6pp | 67.2%-35.8pp |
| Annual return | 18.40% | 27.20%-8.8pp | 53.40%-35.0pp | 160.72%-142.3pp |
| Employer contribution / active EE | $1,015 | $4,616-78.0% | $6,790-85.1% | $2,671-62.0% |
| Participant deferral / active EE | $3,412 | $6,838-50.1% | $10,410-67.2% | $4,126-17.3% |
| Admin fee / account holder | $7,738 | $8,177-5.4% | $12,824-39.7% | $5,651+36.9% |