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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 | $77,859 | $93,345-16.6% | $119,126-34.6% | $87,485-11.0% |
| Participation rate | 61.7% | 68.7%-7.1pp | 75.8%-14.1pp | 68.9%-7.3pp |
| Annual return | 13.41% | 19.08%-5.7pp | 282.11%-268.7pp | 26.06%-12.6pp |
| Employer contribution / active EE | $407 | $3,172-87.2% | $4,034-89.9% | $2,596-84.3% |
| Participant deferral / active EE | $3,162 | $4,099-22.9% | $5,318-40.5% | $4,274-26.0% |
| Admin fee / account holder | $5,063 | $8,039-37.0% | $10,693-52.7% | $7,775-34.9% |