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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 | $59,761 | $88,672-32.6% | $105,223-43.2% | $82,448-27.5% |
| Participation rate | 56.3% | 67.9%-11.7pp | 75.0%-18.8pp | 68.1%-11.8pp |
| Annual return | 14.34% | 30.86%-16.5pp | 180.65%-166.3pp | 41.64%-27.3pp |
| Employer contribution / active EE | $152 | $3,048-95.0% | $3,689-95.9% | $2,551-94.0% |
| Participant deferral / active EE | $2,013 | $4,036-50.1% | $5,072-60.3% | $4,139-51.4% |
| Admin fee / account holder | $931 | $7,146-87.0% | $8,859-89.5% | $7,234-87.1% |