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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 | $42,072 | $80,983-48.0% | $96,544-56.4% | $75,177-44.0% |
| Participation rate | 51.3% | 71.8%-20.5pp | 76.0%-24.7pp | 67.2%-15.9pp |
| Annual return | 17.59% | 27.05%-9.5pp | 25.88%-8.3pp | 160.75%-143.2pp |
| Employer contribution / active EE | $437 | $2,282-80.8% | $2,966-85.3% | $2,671-83.6% |
| Participant deferral / active EE | $2,303 | $3,929-41.4% | $4,851-52.5% | $4,126-44.2% |
| Admin fee / account holder | $1,864 | $6,717-72.3% | $8,254-77.4% | $5,651-67.0% |