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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 | $105,284-43.2% | $150,734-60.4% | $94,015-36.4% |
| Participation rate | 56.3% | 71.7%-15.5pp | 78.4%-22.2pp | 70.8%-14.6pp |
| Annual return | 14.34% | 15.67%-1.3pp | 600.81%-586.5pp | 17.84%-3.5pp |
| Employer contribution / active EE | $152 | $3,599-95.8% | $4,918-96.9% | $2,790-94.6% |
| Participant deferral / active EE | $2,013 | $4,274-52.9% | $5,610-64.1% | $4,249-52.6% |
| Admin fee / account holder | $931 | $9,839-90.5% | $14,905-93.8% | $8,951-89.6% |