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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 | $60,658 | $85,171-28.8% | $172,752-64.9% | $72,975-16.9% |
| Participation rate | 17.9% | 70.1%-52.1pp | 82.6%-64.7pp | 69.5%-51.5pp |
| Annual return | 21.99% | 27.32%-5.3pp | 802.97%-781.0pp | 81.01%-59.0pp |
| Employer contribution / active EE | $319 | $3,324-90.4% | $5,144-93.8% | $2,440-86.9% |
| Participant deferral / active EE | $923 | $3,260-71.7% | $5,198-82.3% | $3,608-74.4% |
| Admin fee / account holder | $1,954 | $5,880-66.8% | $13,955-86.0% | $5,124-61.9% |