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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 | $35,308 | $110,240-68.0% | $96,544-63.4% | $139,487-74.7% |
| Participation rate | 58.3% | 78.1%-19.8pp | 76.0%-17.7pp | 80.3%-22.0pp |
| Annual return | 19.86% | 26.41%-6.6pp | 25.88%-6.0pp | 373.84%-354.0pp |
| Employer contribution / active EE | $783 | $3,622-78.4% | $2,966-73.6% | $4,755-83.5% |
| Participant deferral / active EE | $1,962 | $5,549-64.6% | $4,851-59.6% | $6,713-70.8% |
| Admin fee / account holder | $1,173 | $11,602-89.9% | $8,254-85.8% | $11,407-89.7% |