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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 | $63,585 | $110,337-42.4% | $102,383-37.9% | $145,877-56.4% |
| Participation rate | 68.4% | 77.9%-9.5pp | 74.5%-6.1pp | 80.3%-11.9pp |
| Annual return | 13.12% | 24.83%-11.7pp | 24.94%-11.8pp | 551.28%-538.2pp |
| Employer contribution / active EE | $556 | $4,216-86.8% | $3,870-85.6% | $4,663-88.1% |
| Participant deferral / active EE | $4,049 | $5,621-28.0% | $5,060-20.0% | $6,691-39.5% |
| Admin fee / account holder | $8,014 | $9,750-17.8% | $8,391-4.5% | $13,402-40.2% |