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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 | $47,126 | $81,446-42.1% | $103,374-54.4% | $80,874-41.7% |
| Participation rate | 46.7% | 66.9%-20.1pp | 74.5%-27.8pp | 67.6%-20.9pp |
| Annual return | 11.12% | 25.57%-14.4pp | 24.89%-13.8pp | 35.62%-24.5pp |
| Employer contribution / active EE | $407 | $3,107-86.9% | $3,869-89.5% | $2,756-85.2% |
| Participant deferral / active EE | $2,366 | $3,870-38.9% | $5,058-53.2% | $4,297-44.9% |
| Admin fee / account holder | $4,952 | $6,715-26.2% | $8,394-41.0% | $6,935-28.6% |