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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 | $96,731-15.1% | $123,973-33.7% | $86,983-5.6% |
| Participation rate | 39.0% | 70.0%-31.0pp | 76.7%-37.6pp | 69.5%-30.5pp |
| Annual return | 16.34% | 17.33%-1.0pp | 388.13%-371.8pp | 25.83%-9.5pp |
| Employer contribution / active EE | $79 | $3,297-97.6% | $4,126-98.1% | $2,584-96.9% |
| Participant deferral / active EE | $1,868 | $4,152-55.0% | $5,247-64.4% | $4,194-55.5% |
| Admin fee / account holder | $381 | $8,722-95.6% | $11,799-96.8% | $7,856-95.2% |