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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 | $40,401 | $78,423-48.5% | $95,964-57.9% | $79,856-49.4% |
| Participation rate | 56.0% | 73.5%-17.5pp | 77.1%-21.1pp | 69.6%-13.6pp |
| Annual return | 11.88% | 19.37%-7.5pp | 91.64%-79.8pp | 31.71%-19.8pp |
| Employer contribution / active EE | $219 | $1,945-88.7% | $2,541-91.4% | $2,471-91.1% |
| Participant deferral / active EE | $1,691 | $3,440-50.9% | $4,167-59.4% | $3,741-54.8% |
| Admin fee / account holder | $11,337 | $5,622+101.7% | $6,797+66.8% | $5,306+113.6% |