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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 | $25,581 | $72,273-64.6% | $101,275-74.7% | $79,856-68.0% |
| Participation rate | 68.5% | 68.5%0pp | 75.8%-7.3pp | 69.6%-1.2pp |
| Annual return | 15.08% | 22.30%-7.2pp | 46.48%-31.4pp | 31.71%-16.6pp |
| Employer contribution / active EE | $380 | $2,691-85.9% | $3,660-89.6% | $2,471-84.6% |
| Participant deferral / active EE | $1,845 | $3,282-43.8% | $4,371-57.8% | $3,741-50.7% |
| Admin fee / account holder | $2,419 | $4,401-45.0% | $5,948-59.3% | $5,306-54.4% |