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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 | $41,291 | $88,672-53.4% | $105,223-60.8% | $82,448-49.9% |
| Participation rate | 35.6% | 67.9%-32.4pp | 75.0%-39.5pp | 68.1%-32.5pp |
| Annual return | 17.02% | 30.86%-13.8pp | 180.65%-163.6pp | 41.64%-24.6pp |
| Employer contribution / active EE | $755 | $3,048-75.2% | $3,689-79.5% | $2,551-70.4% |
| Participant deferral / active EE | $1,723 | $4,036-57.3% | $5,072-66.0% | $4,139-58.4% |
| Admin fee / account holder | $924 | $7,146-87.1% | $8,859-89.6% | $7,234-87.2% |