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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 | $77,115 | $78,670-2.0% | $109,173-29.4% | $85,847-10.2% |
| Participation rate | 47.3% | 68.3%-21.0pp | 75.9%-28.6pp | 69.3%-22.0pp |
| Annual return | 11.67% | 25.09%-13.4pp | 25.75%-14.1pp | 318.61%-306.9pp |
| Employer contribution / active EE | $455 | $2,734-83.4% | $3,723-87.8% | $2,565-82.3% |
| Participant deferral / active EE | $2,188 | $3,467-36.9% | $4,654-53.0% | $3,952-44.6% |
| Admin fee / account holder | $4,110 | $5,469-24.9% | $6,755-39.2% | $6,261-34.4% |