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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 | $40,749 | $110,410-63.1% | $102,437-60.2% | $145,897-72.1% |
| Participation rate | 40.0% | 77.9%-37.9pp | 74.5%-34.5pp | 80.3%-40.3pp |
| Annual return | 9.50% | 24.85%-15.3pp | 24.95%-15.4pp | 552.29%-542.8pp |
| Employer contribution / active EE | $783 | $4,217-81.4% | $3,871-79.8% | $4,663-83.2% |
| Participant deferral / active EE | $2,358 | $5,622-58.1% | $5,060-53.4% | $6,689-64.8% |
| Admin fee / account holder | $18,928 | $9,745+94.2% | $8,388+125.7% | $13,390+41.4% |