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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 | $31,787 | $93,598-66.0% | $135,974-76.6% | $75,173-57.7% |
| Participation rate | 44.9% | 75.2%-30.3pp | 81.9%-37.0pp | 67.2%-22.3pp |
| Annual return | 19.49% | 30.89%-11.4pp | 68.30%-48.8pp | 160.72%-141.2pp |
| Employer contribution / active EE | $536 | $3,538-84.8% | $4,859-89.0% | $2,671-79.9% |
| Participant deferral / active EE | $2,611 | $6,405-59.2% | $7,760-66.4% | $4,126-36.7% |
| Admin fee / account holder | $2,716 | $6,978-61.1% | $10,767-74.8% | $5,651-51.9% |