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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 | $68,859 | $94,031-26.8% | $115,768-40.5% | $82,448-16.5% |
| Participation rate | 52.3% | 70.4%-18.1pp | 74.4%-22.1pp | 68.1%-15.8pp |
| Annual return | 14.14% | 20.61%-6.5pp | 100.46%-86.3pp | 41.64%-27.5pp |
| Employer contribution / active EE | $595 | $2,323-74.4% | $2,940-79.7% | $2,551-76.7% |
| Participant deferral / active EE | $3,229 | $3,972-18.7% | $4,917-34.3% | $4,139-22.0% |
| Admin fee / account holder | $14,300 | $10,249+39.5% | $12,439+15.0% | $7,234+97.7% |