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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 | $52,402 | $93,598-44.0% | $135,974-61.5% | $75,173-30.3% |
| Participation rate | 42.3% | 75.2%-32.9pp | 81.9%-39.6pp | 67.2%-24.9pp |
| Annual return | 26.69% | 30.89%-4.2pp | 68.30%-41.6pp | 160.72%-134.0pp |
| Employer contribution / active EE | $300 | $3,538-91.5% | $4,859-93.8% | $2,671-88.8% |
| Participant deferral / active EE | $10,310 | $6,405+61.0% | $7,760+32.9% | $4,126+149.9% |
| Admin fee / account holder | $10,831 | $6,978+55.2% | $10,767+0.6% | $5,651+91.7% |