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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 | $96,731-19.5% | $123,973-37.2% | $86,983-10.5% |
| Participation rate | 61.7% | 70.0%-8.4pp | 76.7%-15.0pp | 69.5%-7.9pp |
| Annual return | 13.41% | 17.33%-3.9pp | 388.13%-374.7pp | 25.83%-12.4pp |
| Employer contribution / active EE | $407 | $3,297-87.7% | $4,126-90.1% | $2,584-84.3% |
| Participant deferral / active EE | $3,162 | $4,152-23.8% | $5,247-39.7% | $4,194-24.6% |
| Admin fee / account holder | $5,063 | $8,722-42.0% | $11,799-57.1% | $7,856-35.6% |