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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 | $33,001 | $86,298-61.8% | $111,308-70.4% | $85,847-61.6% |
| Participation rate | 56.8% | 73.3%-16.5pp | 77.3%-20.5pp | 69.3%-12.5pp |
| Annual return | 17.08% | 19.99%-2.9pp | 54.67%-37.6pp | 318.61%-301.5pp |
| Employer contribution / active EE | $273 | $2,044-86.6% | $2,732-90.0% | $2,565-89.3% |
| Participant deferral / active EE | $1,853 | $3,641-49.1% | $4,487-58.7% | $3,952-53.1% |
| Admin fee / account holder | $1,334 | $8,189-83.7% | $7,965-83.3% | $6,261-78.7% |