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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 | $31,218 | $72,027-56.7% | $185,861-83.2% | $79,856-60.9% |
| Participation rate | 36.1% | 65.8%-29.7pp | 78.0%-41.9pp | 69.6%-33.5pp |
| Annual return | 21.08% | 23.13%-2.0pp | 35.96%-14.9pp | 31.71%-10.6pp |
| Employer contribution / active EE | $294 | $1,965-85.0% | $4,088-92.8% | $2,471-88.1% |
| Participant deferral / active EE | $2,278 | $3,780-39.7% | $5,634-59.6% | $3,741-39.1% |
| Admin fee / account holder | $826 | $4,513-81.7% | $9,503-91.3% | $5,306-84.4% |