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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 | $34,451 | $48,364-28.8% | $71,796-52.0% | $62,881-45.2% |
| Participation rate | 29.7% | 60.6%-30.9pp | 69.1%-39.4pp | 69.3%-39.6pp |
| Annual return | 6.30% | 13.16%-6.9pp | 78.04%-71.7pp | 20.14%-13.8pp |
| Employer contribution / active EE | $178 | $1,042-82.9% | $1,924-90.7% | $2,281-92.2% |
| Participant deferral / active EE | $2,017 | $2,091-3.6% | $2,794-27.8% | $3,203-37.0% |
| Admin fee / account holder | $3,560 | $3,771-5.6% | $4,815-26.1% | $4,296-17.1% |