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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 | $49,867 | $93,345-46.6% | $119,126-58.1% | $87,485-43.0% |
| Participation rate | 43.6% | 68.7%-25.1pp | 75.8%-32.2pp | 68.9%-25.3pp |
| Annual return | 14.81% | 19.08%-4.3pp | 282.11%-267.3pp | 26.06%-11.3pp |
| Employer contribution / active EE | $360 | $3,172-88.6% | $4,034-91.1% | $2,596-86.1% |
| Participant deferral / active EE | $2,691 | $4,099-34.3% | $5,318-49.4% | $4,274-37.0% |
| Admin fee / account holder | $14,866 | $8,039+84.9% | $10,693+39.0% | $7,775+91.2% |