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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 | $56,194 | $65,367-14.0% | $92,915-39.5% | $72,976-23.0% |
| Participation rate | 43.8% | 68.3%-24.6pp | 76.0%-32.3pp | 69.5%-25.7pp |
| Annual return | 21.75% | 42.11%-20.4pp | 109.45%-87.7pp | 81.02%-59.3pp |
| Employer contribution / active EE | $497 | $2,594-80.8% | $3,653-86.4% | $2,440-79.6% |
| Participant deferral / active EE | $2,764 | $3,128-11.6% | $4,238-34.8% | $3,608-23.4% |
| Admin fee / account holder | $2,448 | $4,251-42.4% | $5,796-57.8% | $5,124-52.2% |