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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 | $44,383 | $108,825-59.2% | $156,181-71.6% | $82,448-46.2% |
| Participation rate | 40.0% | 72.4%-32.4pp | 78.8%-38.8pp | 68.1%-28.1pp |
| Annual return | 15.99% | 20.59%-4.6pp | 64.87%-48.9pp | 41.64%-25.6pp |
| Employer contribution / active EE | $540 | $2,870-81.2% | $4,294-87.4% | $2,551-78.8% |
| Participant deferral / active EE | $2,139 | $4,577-53.3% | $6,132-65.1% | $4,139-48.3% |
| Admin fee / account holder | $2,089 | $9,341-77.6% | $14,586-85.7% | $7,234-71.1% |