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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 | $51,176 | $37,446+36.7% | $77,513-34.0% | $79,852-35.9% |
| Participation rate | 28.0% | 41.5%-13.5pp | 54.2%-26.2pp | 69.6%-41.6pp |
| Annual return | 17.56% | 39.76%-22.2pp | 54.81%-37.2pp | 31.72%-14.2pp |
| Employer contribution / active EE | $77 | $637-87.8% | $987-92.1% | $2,471-96.9% |
| Participant deferral / active EE | $1,094 | $1,261-13.3% | $1,861-41.2% | $3,740-70.8% |
| Admin fee / account holder | $653 | $2,506-73.9% | $2,859-77.2% | $5,306-87.7% |