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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 | $36,711 | $75,963-51.7% | $97,995-62.5% | $70,126-47.6% |
| Participation rate | 38.5% | 77.0%-38.5pp | 82.4%-43.9pp | 69.5%-31.1pp |
| Annual return | 14.04% | 19.26%-5.2pp | 23.94%-9.9pp | 73.15%-59.1pp |
| Employer contribution / active EE | $15 | $3,278-99.5% | $4,158-99.6% | $2,343-99.4% |
| Participant deferral / active EE | $1,570 | $4,053-61.3% | $5,097-69.2% | $3,332-52.9% |
| Admin fee / account holder | $3,652 | $5,407-32.5% | $5,943-38.6% | $4,645-21.4% |