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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 | $47,403 | $78,428-39.6% | $95,960-50.6% | $79,852-40.6% |
| Participation rate | 58.1% | 73.5%-15.4pp | 77.1%-19.0pp | 69.6%-11.6pp |
| Annual return | 15.53% | 19.37%-3.8pp | 91.63%-76.1pp | 31.72%-16.2pp |
| Employer contribution / active EE | $269 | $1,945-86.2% | $2,541-89.4% | $2,471-89.1% |
| Participant deferral / active EE | $1,652 | $3,440-52.0% | $4,167-60.3% | $3,740-55.8% |
| Admin fee / account holder | $597 | $5,622-89.4% | $6,797-91.2% | $5,306-88.8% |