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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 | $51,544 | $90,170-42.8% | $150,734-65.8% | $69,733-26.1% |
| Participation rate | 58.8% | 60.2%-1.4pp | 78.4%-19.6pp | 62.5%-3.6pp |
| Annual return | 13.29% | 16.56%-3.3pp | 600.81%-587.5pp | 15.22%-1.9pp |
| Employer contribution / active EE | $174 | $3,428-94.9% | $4,918-96.5% | $2,250-92.3% |
| Participant deferral / active EE | $3,200 | $3,086+3.7% | $5,610-42.9% | $3,054+4.8% |
| Admin fee / account holder | $12,068 | $4,600+162.3% | $14,905-19.0% | $3,102+289.0% |