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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 | $35,533 | $123,412-71.2% | $69,460-48.8% | $145,978-75.7% |
| Participation rate | 13.3% | 69.2%-55.9pp | 66.4%-53.1pp | 80.3%-67.0pp |
| Annual return | 11.12% | 191.25%-180.1pp | 100.80%-89.7pp | 550.52%-539.4pp |
| Employer contribution / active EE | $152 | $2,684-94.3% | $1,714-91.1% | $4,662-96.7% |
| Participant deferral / active EE | $1,920 | $4,240-54.7% | $2,890-33.6% | $6,690-71.3% |
| Admin fee / account holder | $1,146 | $7,816-85.3% | $4,695-75.6% | $13,400-91.4% |