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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 | $43,983 | $108,825-59.6% | $156,181-71.8% | $82,448-46.7% |
| Participation rate | 34.6% | 72.4%-37.8pp | 78.8%-44.2pp | 68.1%-33.5pp |
| Annual return | 19.78% | 20.59%-0.8pp | 64.87%-45.1pp | 41.64%-21.9pp |
| Employer contribution / active EE | $508 | $2,870-82.3% | $4,294-88.2% | $2,551-80.1% |
| Participant deferral / active EE | $3,173 | $4,577-30.7% | $6,132-48.3% | $4,139-23.3% |
| Admin fee / account holder | $397 | $9,341-95.7% | $14,586-97.3% | $7,234-94.5% |