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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 | $51,731 | $72,071-28.2% | $68,368-24.3% | $137,256-62.3% |
| Participation rate | 31.8% | 76.2%-44.4pp | 73.8%-41.9pp | 80.0%-48.1pp |
| Annual return | 14.35% | 353.14%-338.8pp | 292.57%-278.2pp | 220.34%-206.0pp |
| Employer contribution / active EE | $324 | $2,788-88.4% | $2,649-87.8% | $4,156-92.2% |
| Participant deferral / active EE | $941 | $4,410-78.7% | $4,123-77.2% | $6,407-85.3% |
| Admin fee / account holder | $2,633 | $5,336-50.7% | $5,150-48.9% | $12,270-78.5% |