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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 | $36,727 | $94,766-61.2% | $112,923-67.5% | $139,487-73.7% |
| Participation rate | 55.6% | 81.3%-25.8pp | 80.5%-25.0pp | 80.3%-24.8pp |
| Annual return | 17.61% | 40.96%-23.4pp | 34.13%-16.5pp | 373.84%-356.2pp |
| Employer contribution / active EE | $1,109 | $4,636-76.1% | $4,570-75.7% | $4,755-76.7% |
| Participant deferral / active EE | $3,409 | $6,523-47.7% | $6,520-47.7% | $6,713-49.2% |
| Admin fee / account holder | $2,978 | $8,529-65.1% | $7,046-57.7% | $11,407-73.9% |