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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 | $36,363 | $181,896-80.0% | $156,551-76.8% | $273,972-86.7% |
| Participation rate | 55.6% | 88.4%-32.8pp | 84.0%-28.5pp | 83.0%-27.5pp |
| Annual return | 8.82% | 30.74%-21.9pp | 32.23%-23.4pp | 41.46%-32.6pp |
| Employer contribution / active EE | $1,158 | $6,248-81.5% | $5,501-79.0% | $4,869-76.2% |
| Participant deferral / active EE | $3,105 | $5,550-44.0% | $4,871-36.2% | $5,287-41.3% |
| Admin fee / account holder | $580 | $15,560-96.3% | $13,028-95.5% | $10,133-94.3% |