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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 | $55,481 | $85,171-34.9% | $172,752-67.9% | $72,975-24.0% |
| Participation rate | 12.0% | 70.1%-58.1pp | 82.6%-70.6pp | 69.5%-57.5pp |
| Annual return | 19.85% | 27.32%-7.5pp | 802.97%-783.1pp | 81.01%-61.2pp |
| Employer contribution / active EE | $367 | $3,324-88.9% | $5,144-92.9% | $2,440-84.9% |
| Participant deferral / active EE | $1,078 | $3,260-66.9% | $5,198-79.3% | $3,608-70.1% |
| Admin fee / account holder | $980 | $5,880-83.3% | $13,955-93.0% | $5,124-80.9% |