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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 | $60,095 | $51,642+16.4% | $129,384-53.6% | $80,935-25.7% |
| Participation rate | 11.9% | 56.9%-45.0pp | 69.6%-57.7pp | 67.7%-55.8pp |
| Annual return | 12.70% | 20.78%-8.1pp | 9461.77%-9449.1pp | 35.66%-23.0pp |
| Employer contribution / active EE | $303 | $1,583-80.9% | $4,153-92.7% | $2,757-89.0% |
| Participant deferral / active EE | $1,159 | $2,670-56.6% | $4,166-72.2% | $4,299-73.0% |
| Admin fee / account holder | $2,226 | $4,312-48.4% | $7,686-71.0% | $6,924-67.8% |