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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 | $30,506 | $93,617-67.4% | $135,982-77.6% | $75,177-59.4% |
| Participation rate | 20.0% | 75.2%-55.2pp | 81.9%-61.9pp | 67.2%-47.2pp |
| Annual return | 24.81% | 30.89%-6.1pp | 68.32%-43.5pp | 160.75%-135.9pp |
| Employer contribution / active EE | $508 | $3,538-85.6% | $4,859-89.5% | $2,671-81.0% |
| Participant deferral / active EE | $2,773 | $6,406-56.7% | $7,760-64.3% | $4,126-32.8% |
| Admin fee / account holder | $4,110 | $6,980-41.1% | $10,767-61.8% | $5,651-27.3% |