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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 | $42,648 | $181,896-76.6% | $156,551-72.8% | $273,972-84.4% |
| Participation rate | 53.8% | 88.4%-34.5pp | 84.0%-30.2pp | 83.0%-29.2pp |
| Annual return | 7.14% | 30.74%-23.6pp | 32.23%-25.1pp | 41.46%-34.3pp |
| Employer contribution / active EE | $1,001 | $6,248-84.0% | $5,501-81.8% | $4,869-79.4% |
| Participant deferral / active EE | $2,427 | $5,550-56.3% | $4,871-50.2% | $5,287-54.1% |
| Admin fee / account holder | $2,357 | $15,560-84.9% | $13,028-81.9% | $10,133-76.7% |