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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 | $97,550-52.9% | $120,344-61.8% | $87,485-47.4% |
| Participation rate | 43.8% | 72.8%-29.1pp | 76.7%-33.0pp | 68.9%-25.2pp |
| Annual return | 14.12% | 18.41%-4.3pp | 20.30%-6.2pp | 26.06%-11.9pp |
| Employer contribution / active EE | $276 | $2,291-88.0% | $3,020-90.9% | $2,596-89.4% |
| Participant deferral / active EE | $2,357 | $4,230-44.3% | $5,135-54.1% | $4,274-44.8% |
| Admin fee / account holder | $8,153 | $9,543-14.6% | $12,742-36.0% | $7,775+4.9% |