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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 | $39,451 | $74,535-47.1% | $100,712-60.8% | $82,637-52.3% |
| Participation rate | 38.1% | 61.2%-23.1pp | 69.3%-31.2pp | 68.1%-30.0pp |
| Annual return | 14.65% | 18.92%-4.3pp | 33.27%-18.6pp | 53.51%-38.9pp |
| Employer contribution / active EE | $316 | $1,503-79.0% | $2,313-86.3% | $2,552-87.6% |
| Participant deferral / active EE | $1,250 | $3,074-59.3% | $4,085-69.4% | $4,126-69.7% |
| Admin fee / account holder | $6,440 | $6,576-2.1% | $9,256-30.4% | $7,339-12.2% |