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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 | $45,983 | $104,098-55.8% | $140,514-67.3% | $94,015-51.1% |
| Participation rate | 43.8% | 73.7%-30.0pp | 77.8%-34.0pp | 70.8%-27.1pp |
| Annual return | 14.12% | 15.14%-1.0pp | 14.36%-0.2pp | 17.84%-3.7pp |
| Employer contribution / active EE | $276 | $2,388-88.5% | $3,378-91.8% | $2,790-90.1% |
| Participant deferral / active EE | $2,357 | $4,033-41.6% | $4,919-52.1% | $4,249-44.5% |
| Admin fee / account holder | $8,153 | $10,439-21.9% | $13,697-40.5% | $8,951-8.9% |