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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 | $58,340 | $76,696-23.9% | $96,538-39.6% | $71,529-18.4% |
| Participation rate | 42.0% | 66.6%-24.6pp | 74.3%-32.3pp | 67.9%-25.9pp |
| Annual return | 18.85% | 48.32%-29.5pp | 35.74%-16.9pp | 28.97%-10.1pp |
| Employer contribution / active EE | $753 | $3,032-75.2% | $3,740-79.9% | $2,590-70.9% |
| Participant deferral / active EE | $1,859 | $3,770-50.7% | $4,880-61.9% | $4,291-56.7% |
| Admin fee / account holder | $1,579 | $2,030-22.2% | $6,737-76.6% | $1,588-0.6% |