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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 | $37,449 | $110,410-66.1% | $102,437-63.4% | $145,897-74.3% |
| Participation rate | 28.6% | 77.9%-49.4pp | 74.5%-45.9pp | 80.3%-51.7pp |
| Annual return | 9.68% | 24.85%-15.2pp | 24.95%-15.3pp | 552.29%-542.6pp |
| Employer contribution / active EE | $616 | $4,217-85.4% | $3,871-84.1% | $4,663-86.8% |
| Participant deferral / active EE | $3,085 | $5,622-45.1% | $5,060-39.0% | $6,689-53.9% |
| Admin fee / account holder | $685 | $9,745-93.0% | $8,388-91.8% | $13,390-94.9% |