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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 | $45,133 | $102,422-55.9% | $147,117-69.3% | $80,959-44.3% |
| Participation rate | 56.1% | 75.9%-19.8pp | 82.2%-26.1pp | 67.7%-11.5pp |
| Annual return | 13.67% | 135.16%-121.5pp | 420.54%-406.9pp | 35.67%-22.0pp |
| Employer contribution / active EE | $544 | $3,717-85.4% | $4,932-89.0% | $2,757-80.3% |
| Participant deferral / active EE | $4,654 | $6,652-30.0% | $8,065-42.3% | $4,300+8.2% |
| Admin fee / account holder | $12,886 | $7,953+62.0% | $12,993-0.8% | $6,925+86.1% |