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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 | $35,311 | $135,956-74.0% | $123,894-71.5% | $273,972-87.1% |
| Participation rate | 64.7% | 84.1%-19.4pp | 81.4%-16.7pp | 83.0%-18.3pp |
| Annual return | 7.89% | 56.63%-48.7pp | 47.52%-39.6pp | 41.46%-33.6pp |
| Employer contribution / active EE | $528 | $5,170-89.8% | $4,617-88.6% | $4,869-89.2% |
| Participant deferral / active EE | $5,301 | $6,343-16.4% | $5,984-11.4% | $5,287+0.3% |
| Admin fee / account holder | $30,928 | $9,817+215.0% | $8,357+270.1% | $10,133+205.2% |