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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 | $29,083 | $106,115-72.6% | $85,969-66.2% | $125,388-76.8% |
| Participation rate | 58.3% | 84.1%-25.7pp | 76.5%-18.2pp | 83.2%-24.9pp |
| Annual return | 33.03% | 13.93%+19.1pp | 9.32%+23.7pp | 282.24%-249.2pp |
| Employer contribution / active EE | $672 | $4,537-85.2% | $3,474-80.7% | $4,866-86.2% |
| Participant deferral / active EE | $1,481 | $4,859-69.5% | $3,829-61.3% | $5,352-72.3% |
| Admin fee / account holder | $481 | $8,144-94.1% | $6,053-92.0% | $9,541-95.0% |