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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 | $45,697 | $94,031-51.4% | $115,768-60.5% | $82,448-44.6% |
| Participation rate | 53.3% | 70.4%-17.1pp | 74.4%-21.1pp | 68.1%-14.7pp |
| Annual return | 12.64% | 20.61%-8.0pp | 100.46%-87.8pp | 41.64%-29.0pp |
| Employer contribution / active EE | $437 | $2,323-81.2% | $2,940-85.1% | $2,551-82.9% |
| Participant deferral / active EE | $1,939 | $3,972-51.2% | $4,917-60.6% | $4,139-53.2% |
| Admin fee / account holder | $2,407 | $10,249-76.5% | $12,439-80.6% | $7,234-66.7% |