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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 | $35,012 | $91,037-61.5% | $71,671-51.1% | $147,586-76.3% |
| Participation rate | 50.0% | 76.1%-26.1pp | 68.7%-18.7pp | 82.8%-32.8pp |
| Annual return | 13.51% | 20.48%-7.0pp | 20.65%-7.1pp | 578.59%-565.1pp |
| Employer contribution / active EE | $139 | $3,327-95.8% | $2,460-94.3% | $4,876-97.1% |
| Participant deferral / active EE | $2,877 | $4,498-36.0% | $3,438-16.3% | $5,439-47.1% |
| Admin fee / account holder | $5,387 | $8,613-37.5% | $5,558-3.1% | $10,886-50.5% |