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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 | $34,477 | $63,346-45.6% | $92,240-62.6% | $70,126-50.8% |
| Participation rate | 27.3% | 68.7%-41.4pp | 76.5%-49.2pp | 69.5%-42.3pp |
| Annual return | 12.59% | 530.19%-517.6pp | 176.29%-163.7pp | 73.15%-60.6pp |
| Employer contribution / active EE | $158 | $2,471-93.6% | $3,680-95.7% | $2,343-93.3% |
| Participant deferral / active EE | $1,585 | $2,854-44.5% | $3,897-59.3% | $3,332-52.4% |
| Admin fee / account holder | $529 | $3,841-86.2% | $5,194-89.8% | $4,645-88.6% |