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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 | $87,193 | $134,001-34.9% | $112,258-22.3% | $134,509-35.2% |
| Participation rate | 18.8% | 78.6%-59.8pp | 75.1%-56.3pp | 81.2%-62.5pp |
| Annual return | 4.23% | 47.15%-42.9pp | 27.47%-23.2pp | 418.13%-413.9pp |
| Employer contribution / active EE | $589 | $4,039-85.4% | $3,636-83.8% | $4,741-87.6% |
| Participant deferral / active EE | $2,581 | $5,291-51.2% | $4,728-45.4% | $6,400-59.7% |
| Admin fee / account holder | $8,835 | $7,491+17.9% | $6,411+37.8% | $11,427-22.7% |