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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 | $45,805 | $81,504-43.8% | $102,437-55.3% | $80,959-43.4% |
| Participation rate | 48.7% | 66.9%-18.1pp | 74.5%-25.8pp | 67.7%-18.9pp |
| Annual return | 12.04% | 25.60%-13.6pp | 24.95%-12.9pp | 35.67%-23.6pp |
| Employer contribution / active EE | $459 | $3,104-85.2% | $3,871-88.1% | $2,757-83.4% |
| Participant deferral / active EE | $3,610 | $3,871-6.7% | $5,060-28.7% | $4,300-16.1% |
| Admin fee / account holder | $7,108 | $6,719+5.8% | $8,388-15.3% | $6,925+2.6% |