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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 | $28,932 | $77,638-62.7% | $156,551-81.5% | $62,881-54.0% |
| Participation rate | 37.4% | 71.2%-33.8pp | 84.0%-46.7pp | 69.3%-31.9pp |
| Annual return | 20.11% | 50.33%-30.2pp | 32.23%-12.1pp | 20.14%0pp |
| Employer contribution / active EE | $288 | $3,444-91.6% | $5,501-94.8% | $2,281-87.4% |
| Participant deferral / active EE | $1,846 | $3,046-39.4% | $4,871-62.1% | $3,203-42.4% |
| Admin fee / account holder | $970 | $5,561-82.6% | $13,028-92.6% | $4,296-77.4% |