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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 | $49,814 | $136,860-63.6% | $120,344-58.6% | $154,746-67.8% |
| Participation rate | 20.8% | 79.9%-59.1pp | 76.7%-55.9pp | 80.7%-59.9pp |
| Annual return | 20.69% | 21.38%-0.7pp | 20.30%+0.4pp | 172.34%-151.6pp |
| Employer contribution / active EE | $440 | $3,533-87.6% | $3,020-85.4% | $4,379-90.0% |
| Participant deferral / active EE | $2,186 | $5,793-62.3% | $5,135-57.4% | $6,730-67.5% |
| Admin fee / account holder | $5,945 | $15,393-61.4% | $12,742-53.3% | $14,365-58.6% |