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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 | $18,851 | $65,395-71.2% | $182,531-89.7% | $72,983-74.2% |
| Participation rate | 51.9% | 65.4%-13.5pp | 78.0%-26.1pp | 69.5%-17.6pp |
| Annual return | 21.96% | 27.68%-5.7pp | 148.57%-126.6pp | 81.01%-59.0pp |
| Employer contribution / active EE | $290 | $1,911-84.8% | $4,075-92.9% | $2,440-88.1% |
| Participant deferral / active EE | $1,677 | $3,563-52.9% | $5,525-69.7% | $3,608-53.5% |
| Admin fee / account holder | $1,996 | $4,245-53.0% | $8,593-76.8% | $5,124-61.1% |