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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 | $93,345-36.0% | $119,126-49.8% | $87,485-31.7% |
| Participation rate | 56.3% | 68.7%-12.5pp | 75.8%-19.5pp | 68.9%-12.7pp |
| Annual return | 14.34% | 19.08%-4.7pp | 282.11%-267.8pp | 26.06%-11.7pp |
| Employer contribution / active EE | $152 | $3,172-95.2% | $4,034-96.2% | $2,596-94.1% |
| Participant deferral / active EE | $2,013 | $4,099-50.9% | $5,318-62.1% | $4,274-52.9% |
| Admin fee / account holder | $931 | $8,039-88.4% | $10,693-91.3% | $7,775-88.0% |