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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 | $47,768 | $88,672-46.1% | $105,223-54.6% | $82,448-42.1% |
| Participation rate | 27.0% | 67.9%-40.9pp | 75.0%-48.0pp | 68.1%-41.0pp |
| Annual return | 19.16% | 30.86%-11.7pp | 180.65%-161.5pp | 41.64%-22.5pp |
| Employer contribution / active EE | $701 | $3,048-77.0% | $3,689-81.0% | $2,551-72.5% |
| Participant deferral / active EE | $3,470 | $4,036-14.0% | $5,072-31.6% | $4,139-16.2% |
| Admin fee / account holder | $1,377 | $7,146-80.7% | $8,859-84.5% | $7,234-81.0% |