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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 | $63,952 | $108,882-41.3% | $96,754-33.9% | $154,746-58.7% |
| Participation rate | 50.0% | 75.1%-25.1pp | 70.3%-20.3pp | 80.7%-30.7pp |
| Annual return | 12.57% | 98.39%-85.8pp | 82.04%-69.5pp | 172.34%-159.8pp |
| Employer contribution / active EE | $302 | $3,018-90.0% | $2,679-88.7% | $4,379-93.1% |
| Participant deferral / active EE | $1,764 | $5,323-66.9% | $4,758-62.9% | $6,730-73.8% |
| Admin fee / account holder | $26,080 | $10,200+155.7% | $8,905+192.9% | $14,365+81.5% |