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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 | $28,200 | $117,829-76.1% | $102,423-72.5% | $145,877-80.7% |
| Participation rate | 58.3% | 78.6%-20.3pp | 76.5%-18.2pp | 80.3%-22.0pp |
| Annual return | 9.84% | 31.83%-22.0pp | 29.42%-19.6pp | 551.28%-541.4pp |
| Employer contribution / active EE | $595 | $3,615-83.5% | $3,023-80.3% | $4,663-87.2% |
| Participant deferral / active EE | $2,809 | $5,732-51.0% | $5,054-44.4% | $6,691-58.0% |
| Admin fee / account holder | $469 | $13,335-96.5% | $9,455-95.0% | $13,402-96.5% |