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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 | $82,135 | $93,345-12.0% | $119,126-31.1% | $87,485-6.1% |
| Participation rate | 39.0% | 68.7%-29.7pp | 75.8%-36.7pp | 68.9%-29.9pp |
| Annual return | 16.34% | 19.08%-2.7pp | 282.11%-265.8pp | 26.06%-9.7pp |
| Employer contribution / active EE | $79 | $3,172-97.5% | $4,034-98.0% | $2,596-96.9% |
| Participant deferral / active EE | $1,868 | $4,099-54.4% | $5,318-64.9% | $4,274-56.3% |
| Admin fee / account holder | $381 | $8,039-95.3% | $10,693-96.4% | $7,775-95.1% |