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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 | $32,269 | $65,566-50.8% | $86,235-62.6% | $75,177-57.1% |
| Participation rate | 65.0% | 60.5%+4.5pp | 69.0%-4.0pp | 67.2%-2.2pp |
| Annual return | 22.58% | 46.07%-23.5pp | 1170.03%-1147.5pp | 160.75%-138.2pp |
| Employer contribution / active EE | $332 | $1,553-78.6% | $2,381-86.1% | $2,671-87.6% |
| Participant deferral / active EE | $2,480 | $3,023-18.0% | $3,987-37.8% | $4,126-39.9% |
| Admin fee / account holder | $2,515 | $5,470-54.0% | $6,856-63.3% | $5,651-55.5% |