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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 | $31,843 | $118,496-73.1% | $98,461-67.7% | $139,466-77.2% |
| Participation rate | 62.5% | 77.5%-15.0pp | 75.2%-12.7pp | 80.3%-17.8pp |
| Annual return | 12.77% | 18.96%-6.2pp | 21.17%-8.4pp | 373.66%-360.9pp |
| Employer contribution / active EE | $685 | $3,611-81.0% | $3,049-77.5% | $4,754-85.6% |
| Participant deferral / active EE | $3,900 | $5,393-27.7% | $4,738-17.7% | $6,712-41.9% |
| Admin fee / account holder | $5,239 | $14,056-62.7% | $8,961-41.5% | $11,409-54.1% |