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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 | $124,425-68.6% | $112,040-65.1% | $137,256-71.5% |
| Participation rate | 50.0% | 79.3%-29.3pp | 76.5%-26.5pp | 80.0%-30.0pp |
| Annual return | 43.72% | 24.72%+19.0pp | 24.52%+19.2pp | 220.34%-176.6pp |
| Employer contribution / active EE | $292 | $3,411-91.5% | $2,954-90.1% | $4,156-93.0% |
| Participant deferral / active EE | $3,961 | $5,718-30.7% | $5,098-22.3% | $6,407-38.2% |
| Admin fee / account holder | $791 | $15,207-94.8% | $12,098-93.5% | $12,270-93.6% |