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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 | $61,344 | $76,112-19.4% | $96,544-36.5% | $71,529-14.2% |
| Participation rate | 46.3% | 74.4%-28.1pp | 76.0%-29.7pp | 67.9%-21.6pp |
| Annual return | 17.28% | 22.80%-5.5pp | 25.88%-8.6pp | 28.97%-11.7pp |
| Employer contribution / active EE | $673 | $2,248-70.1% | $2,966-77.3% | $2,590-74.0% |
| Participant deferral / active EE | $2,803 | $4,217-33.5% | $4,851-42.2% | $4,291-34.7% |
| Admin fee / account holder | $5,766 | $2,708+112.9% | $8,254-30.1% | $1,588+263.0% |