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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 | $39,642 | $83,908-52.8% | $68,509-42.1% | $125,389-68.4% |
| Participation rate | 60.9% | 78.2%-17.3pp | 74.7%-13.9pp | 83.2%-22.3pp |
| Annual return | 1.16% | 14.48%-13.3pp | 8.27%-7.1pp | 282.24%-281.1pp |
| Employer contribution / active EE | $359 | $3,031-88.1% | $2,278-84.2% | $4,866-92.6% |
| Participant deferral / active EE | $1,490 | $4,125-63.9% | $3,382-55.9% | $5,352-72.1% |
| Admin fee / account holder | $8,462 | $8,982-5.8% | $5,275+60.4% | $9,541-11.3% |