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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 | $39,824 | $110,410-63.9% | $102,437-61.1% | $145,897-72.7% |
| Participation rate | 23.8% | 77.9%-54.1pp | 74.5%-50.7pp | 80.3%-56.5pp |
| Annual return | 9.93% | 24.85%-14.9pp | 24.95%-15.0pp | 552.29%-542.4pp |
| Employer contribution / active EE | $806 | $4,217-80.9% | $3,871-79.2% | $4,663-82.7% |
| Participant deferral / active EE | $1,626 | $5,622-71.1% | $5,060-67.9% | $6,689-75.7% |
| Admin fee / account holder | $21,424 | $9,745+119.8% | $8,388+155.4% | $13,390+60.0% |