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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 | $69,943 | $78,707-11.1% | $117,861-40.7% | $70,126-0.3% |
| Participation rate | 53.3% | 73.2%-19.9pp | 79.7%-26.3pp | 69.5%-16.2pp |
| Annual return | 17.58% | 23.30%-5.7pp | 335.11%-317.5pp | 73.15%-55.6pp |
| Employer contribution / active EE | $169 | $2,223-92.4% | $3,786-95.5% | $2,343-92.8% |
| Participant deferral / active EE | $1,819 | $3,297-44.8% | $4,482-59.4% | $3,332-45.4% |
| Admin fee / account holder | $2,319 | $5,066-54.2% | $8,021-71.1% | $4,645-50.1% |