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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 | $53,805 | $63,346-15.1% | $92,240-41.7% | $70,126-23.3% |
| Participation rate | 37.3% | 68.7%-31.3pp | 76.5%-39.1pp | 69.5%-32.2pp |
| Annual return | 13.12% | 530.19%-517.1pp | 176.29%-163.2pp | 73.15%-60.0pp |
| Employer contribution / active EE | $434 | $2,471-82.4% | $3,680-88.2% | $2,343-81.5% |
| Participant deferral / active EE | $1,336 | $2,854-53.2% | $3,897-65.7% | $3,332-59.9% |
| Admin fee / account holder | $6,739 | $3,841+75.5% | $5,194+29.7% | $4,645+45.1% |