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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 | $58,232 | $124,336-53.2% | $111,303-47.7% | $167,518-65.2% |
| Participation rate | 66.7% | 79.6%-13.0pp | 77.3%-10.6pp | 82.1%-15.4pp |
| Annual return | 11.28% | 37.45%-26.2pp | 54.66%-43.4pp | 478.71%-467.4pp |
| Employer contribution / active EE | $510 | $3,436-85.2% | $2,731-81.3% | $4,838-89.5% |
| Participant deferral / active EE | $3,446 | $5,181-33.5% | $4,487-23.2% | $6,342-45.7% |
| Admin fee / account holder | $6,070 | $10,623-42.9% | $7,966-23.8% | $12,312-50.7% |