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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 | $35,142 | $86,940-59.6% | $102,434-65.7% | $80,935-56.6% |
| Participation rate | 65.0% | 72.4%-7.4pp | 76.5%-11.5pp | 67.7%-2.7pp |
| Annual return | 39.03% | 18.89%+20.1pp | 29.46%+9.6pp | 35.66%+3.4pp |
| Employer contribution / active EE | $310 | $2,370-86.9% | $3,023-89.8% | $2,757-88.8% |
| Participant deferral / active EE | $2,267 | $4,121-45.0% | $5,055-55.1% | $4,299-47.3% |
| Admin fee / account holder | $33,310 | $8,047+313.9% | $9,462+252.0% | $6,924+381.1% |