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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 | $88,672-7.4% | $105,223-21.9% | $82,448-0.4% |
| Participation rate | 39.0% | 67.9%-28.9pp | 75.0%-36.0pp | 68.1%-29.0pp |
| Annual return | 16.34% | 30.86%-14.5pp | 180.65%-164.3pp | 41.64%-25.3pp |
| Employer contribution / active EE | $79 | $3,048-97.4% | $3,689-97.9% | $2,551-96.9% |
| Participant deferral / active EE | $1,868 | $4,036-53.7% | $5,072-63.2% | $4,139-54.9% |
| Admin fee / account holder | $381 | $7,146-94.7% | $8,859-95.7% | $7,234-94.7% |