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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 | $48,826 | $85,766-43.1% | $136,298-64.2% | $70,126-30.4% |
| Participation rate | 57.1% | 74.2%-17.0pp | 81.9%-24.8pp | 69.5%-12.4pp |
| Annual return | 18.69% | 31.46%-12.8pp | 5156.27%-5137.6pp | 73.15%-54.5pp |
| Employer contribution / active EE | $158 | $2,966-94.7% | $4,696-96.6% | $2,343-93.3% |
| Participant deferral / active EE | $2,919 | $5,051-42.2% | $6,247-53.3% | $3,332-12.4% |
| Admin fee / account holder | $2,975 | $5,421-45.1% | $9,244-67.8% | $4,645-36.0% |