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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 | $65,733 | $100,279-34.4% | $81,353-19.2% | $145,884-54.9% |
| Participation rate | 33.3% | 74.3%-40.9pp | 69.5%-36.2pp | 80.3%-47.0pp |
| Annual return | 9.38% | 34.49%-25.1pp | 24.82%-15.4pp | 551.85%-542.5pp |
| Employer contribution / active EE | $334 | $2,979-88.8% | $2,464-86.4% | $4,662-92.8% |
| Participant deferral / active EE | $3,293 | $4,611-28.6% | $3,885-15.2% | $6,690-50.8% |
| Admin fee / account holder | $433 | $8,206-94.7% | $5,766-92.5% | $13,392-96.8% |