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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 | $32,312 | $93,589-65.5% | $135,942-76.2% | $75,181-57.0% |
| Participation rate | 37.3% | 75.2%-37.9pp | 81.9%-44.7pp | 67.2%-29.9pp |
| Annual return | 16.02% | 30.90%-14.9pp | 68.28%-52.3pp | 160.69%-144.7pp |
| Employer contribution / active EE | $0 | $3,537-100.0% | $4,858-100.0% | $2,671-100.0% |
| Participant deferral / active EE | $3,295 | $6,405-48.6% | $7,759-57.5% | $4,126-20.1% |
| Admin fee / account holder | $5,885 | $6,977-15.7% | $10,764-45.3% | $5,650+4.2% |