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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 | $52,699 | $98,776-46.6% | $149,745-64.8% | $79,856-34.0% |
| Participation rate | 68.0% | 75.8%-7.8pp | 82.5%-14.5pp | 69.6%-1.6pp |
| Annual return | 14.02% | 27.38%-13.4pp | 276.72%-262.7pp | 31.71%-17.7pp |
| Employer contribution / active EE | $529 | $3,217-83.6% | $4,646-88.6% | $2,471-78.6% |
| Participant deferral / active EE | $4,303 | $5,681-24.3% | $6,843-37.1% | $3,741+15.0% |
| Admin fee / account holder | $1,906 | $6,053-68.5% | $9,312-79.5% | $5,306-64.1% |