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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 | $40,239 | $117,846-65.9% | $102,434-60.7% | $145,884-72.4% |
| Participation rate | 46.2% | 78.6%-32.5pp | 76.5%-30.4pp | 80.3%-34.1pp |
| Annual return | 12.42% | 31.90%-19.5pp | 29.46%-17.0pp | 551.85%-539.4pp |
| Employer contribution / active EE | $737 | $3,615-79.6% | $3,023-75.6% | $4,662-84.2% |
| Participant deferral / active EE | $3,851 | $5,733-32.8% | $5,055-23.8% | $6,690-42.4% |
| Admin fee / account holder | $646 | $13,356-95.2% | $9,462-93.2% | $13,392-95.2% |