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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 | $30,537 | $83,337-63.4% | $67,834-55.0% | $273,972-88.9% |
| Participation rate | 47.6% | 76.4%-28.8pp | 68.8%-21.2pp | 83.0%-35.4pp |
| Annual return | 6.33% | 259.45%-253.1pp | 138.47%-132.1pp | 41.46%-35.1pp |
| Employer contribution / active EE | $124 | $3,287-96.2% | $2,403-94.9% | $4,869-97.5% |
| Participant deferral / active EE | $2,328 | $4,088-43.0% | $3,160-26.3% | $5,287-56.0% |
| Admin fee / account holder | $1,252 | $6,752-81.5% | $4,622-72.9% | $10,133-87.6% |