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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 | $36,160 | $86,949-58.4% | $102,460-64.7% | $80,959-55.3% |
| Participation rate | 56.8% | 72.4%-15.5pp | 76.5%-19.7pp | 67.7%-10.8pp |
| Annual return | 11.04% | 18.89%-7.9pp | 29.47%-18.4pp | 35.67%-24.6pp |
| Employer contribution / active EE | $379 | $2,370-84.0% | $3,025-87.5% | $2,757-86.3% |
| Participant deferral / active EE | $2,081 | $4,121-49.5% | $5,056-58.8% | $4,300-51.6% |
| Admin fee / account holder | $8,012 | $8,048-0.4% | $9,460-15.3% | $6,925+15.7% |