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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 | $36,807 | $73,988-50.3% | $96,538-61.9% | $75,177-51.0% |
| Participation rate | 51.2% | 66.4%-15.2pp | 74.3%-23.1pp | 67.2%-16.0pp |
| Annual return | 15.47% | 26.73%-11.3pp | 35.74%-20.3pp | 160.75%-145.3pp |
| Employer contribution / active EE | $439 | $2,930-85.0% | $3,740-88.3% | $2,671-83.6% |
| Participant deferral / active EE | $3,722 | $3,660+1.7% | $4,880-23.7% | $4,126-9.8% |
| Admin fee / account holder | $911 | $5,220-82.5% | $6,737-86.5% | $5,651-83.9% |