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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 | $52,209 | $77,901-33.0% | $149,717-65.1% | $75,181-30.6% |
| Participation rate | 52.3% | 65.6%-13.3pp | 78.8%-26.5pp | 67.2%-14.9pp |
| Annual return | 20.44% | 31.73%-11.3pp | 134.41%-114.0pp | 160.69%-140.2pp |
| Employer contribution / active EE | $285 | $3,137-90.9% | $4,820-94.1% | $2,671-89.3% |
| Participant deferral / active EE | $1,859 | $3,411-45.5% | $5,682-67.3% | $4,126-54.9% |
| Admin fee / account holder | $1,261 | $5,949-78.8% | $13,213-90.5% | $5,650-77.7% |