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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 | $47,542 | $56,110-15.3% | $94,993-50.0% | $70,124-32.2% |
| Participation rate | 33.3% | 65.0%-31.7pp | 73.9%-40.6pp | 69.5%-36.2pp |
| Annual return | 19.21% | 51.02%-31.8pp | 27.14%-7.9pp | 73.14%-53.9pp |
| Employer contribution / active EE | $240 | $1,442-83.3% | $2,603-90.8% | $2,342-89.7% |
| Participant deferral / active EE | $1,217 | $2,391-49.1% | $3,317-63.3% | $3,332-63.5% |
| Admin fee / account holder | $467 | $3,456-86.5% | $4,960-90.6% | $4,645-90.0% |