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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 | $67,481 | $110,212-38.8% | $96,534-30.1% | $139,466-51.6% |
| Participation rate | 57.9% | 78.1%-20.2pp | 76.0%-18.1pp | 80.3%-22.4pp |
| Annual return | 13.68% | 26.42%-12.7pp | 25.88%-12.2pp | 373.66%-360.0pp |
| Employer contribution / active EE | $434 | $3,620-88.0% | $2,965-85.4% | $4,754-90.9% |
| Participant deferral / active EE | $4,182 | $5,547-24.6% | $4,851-13.8% | $6,712-37.7% |
| Admin fee / account holder | $40,800 | $11,599+251.8% | $8,253+394.4% | $11,409+257.6% |