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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 | $73,330 | $110,337-33.5% | $102,383-28.4% | $145,877-49.7% |
| Participation rate | 25.0% | 77.9%-52.9pp | 74.5%-49.5pp | 80.3%-55.3pp |
| Annual return | 14.38% | 24.83%-10.5pp | 24.94%-10.6pp | 551.28%-536.9pp |
| Employer contribution / active EE | $845 | $4,216-80.0% | $3,870-78.2% | $4,663-81.9% |
| Participant deferral / active EE | $4,079 | $5,621-27.4% | $5,060-19.4% | $6,691-39.0% |
| Admin fee / account holder | $388 | $9,750-96.0% | $8,391-95.4% | $13,402-97.1% |