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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 | $41,621 | $80,983-48.6% | $96,544-56.9% | $75,177-44.6% |
| Participation rate | 27.6% | 71.8%-44.2pp | 76.0%-48.4pp | 67.2%-39.6pp |
| Annual return | 13.82% | 27.05%-13.2pp | 25.88%-12.1pp | 160.75%-146.9pp |
| Employer contribution / active EE | $187 | $2,282-91.8% | $2,966-93.7% | $2,671-93.0% |
| Participant deferral / active EE | $3,333 | $3,929-15.2% | $4,851-31.3% | $4,126-19.2% |
| Admin fee / account holder | $6,407 | $6,717-4.6% | $8,254-22.4% | $5,651+13.4% |