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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 | $38,027 | $81,504-53.3% | $102,437-62.9% | $80,959-53.0% |
| Participation rate | 37.8% | 66.9%-29.0pp | 74.5%-36.7pp | 67.7%-29.8pp |
| Annual return | 32.40% | 25.60%+6.8pp | 24.95%+7.5pp | 35.67%-3.3pp |
| Employer contribution / active EE | $792 | $3,104-74.5% | $3,871-79.5% | $2,757-71.3% |
| Participant deferral / active EE | $2,428 | $3,871-37.3% | $5,060-52.0% | $4,300-43.5% |
| Admin fee / account holder | $7,869 | $6,719+17.1% | $8,388-6.2% | $6,925+13.6% |