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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 | $64,411 | $79,181-18.7% | $102,423-37.1% | $74,429-13.5% |
| Participation rate | 44.3% | 74.8%-30.5pp | 76.5%-32.2pp | 67.2%-22.9pp |
| Annual return | 13.70% | 54.97%-41.3pp | 29.42%-15.7pp | 1368.38%-1354.7pp |
| Employer contribution / active EE | $591 | $2,362-75.0% | $3,023-80.5% | $2,625-77.5% |
| Participant deferral / active EE | $2,809 | $4,416-36.4% | $5,054-44.4% | $4,348-35.4% |
| Admin fee / account holder | $7,172 | $2,002+258.3% | $9,455-24.1% | $1,944+268.9% |