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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 | $46,580 | $181,896-74.4% | $156,551-70.2% | $273,972-83.0% |
| Participation rate | 50.0% | 88.4%-38.4pp | 84.0%-34.0pp | 83.0%-33.0pp |
| Annual return | 5.95% | 30.74%-24.8pp | 32.23%-26.3pp | 41.46%-35.5pp |
| Employer contribution / active EE | $772 | $6,248-87.6% | $5,501-86.0% | $4,869-84.1% |
| Participant deferral / active EE | $3,302 | $5,550-40.5% | $4,871-32.2% | $5,287-37.5% |
| Admin fee / account holder | $2,102 | $15,560-86.5% | $13,028-83.9% | $10,133-79.3% |