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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 | $48,168 | $65,367-26.3% | $92,915-48.2% | $72,976-34.0% |
| Participation rate | 58.5% | 68.3%-9.8pp | 76.0%-17.5pp | 69.5%-11.0pp |
| Annual return | 30.78% | 42.11%-11.3pp | 109.45%-78.7pp | 81.02%-50.2pp |
| Employer contribution / active EE | $515 | $2,594-80.2% | $3,653-85.9% | $2,440-78.9% |
| Participant deferral / active EE | $2,505 | $3,128-19.9% | $4,238-40.9% | $3,608-30.6% |
| Admin fee / account holder | $3,745 | $4,251-11.9% | $5,796-35.4% | $5,124-26.9% |