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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 | $45,137 | $118,454-61.9% | $98,441-54.1% | $139,427-67.6% |
| Participation rate | 52.9% | 77.5%-24.5pp | 75.2%-22.2pp | 80.3%-27.4pp |
| Annual return | 10.30% | 18.94%-8.6pp | 21.16%-10.9pp | 373.27%-363.0pp |
| Employer contribution / active EE | $712 | $3,610-80.3% | $3,048-76.6% | $4,752-85.0% |
| Participant deferral / active EE | $2,803 | $5,392-48.0% | $4,738-40.8% | $6,711-58.2% |
| Admin fee / account holder | $38,355 | $14,053+172.9% | $8,960+328.1% | $11,404+236.3% |