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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 | $39,984 | $89,259-55.2% | $107,187-62.7% | $82,637-51.6% |
| Participation rate | 67.9% | 67.9%-0.1pp | 75.0%-7.2pp | 68.1%-0.2pp |
| Annual return | 13.13% | 21.02%-7.9pp | 204.55%-191.4pp | 53.51%-40.4pp |
| Employer contribution / active EE | $793 | $3,080-74.3% | $3,782-79.0% | $2,552-68.9% |
| Participant deferral / active EE | $2,200 | $4,037-45.5% | $5,096-56.8% | $4,126-46.7% |
| Admin fee / account holder | $24,759 | $7,381+235.4% | $9,162+170.2% | $7,339+237.4% |