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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 | $39,074 | $136,860-71.4% | $120,344-67.5% | $154,746-74.7% |
| Participation rate | 50.0% | 79.9%-29.9pp | 76.7%-26.7pp | 80.7%-30.7pp |
| Annual return | 43.72% | 21.38%+22.3pp | 20.30%+23.4pp | 172.34%-128.6pp |
| Employer contribution / active EE | $292 | $3,533-91.7% | $3,020-90.3% | $4,379-93.3% |
| Participant deferral / active EE | $3,961 | $5,793-31.6% | $5,135-22.9% | $6,730-41.2% |
| Admin fee / account holder | $791 | $15,393-94.9% | $12,742-93.8% | $14,365-94.5% |