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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 | $36,847 | $68,880-46.5% | $120,580-69.4% | $80,959-54.5% |
| Participation rate | 29.6% | 61.7%-32.1pp | 72.0%-42.3pp | 67.7%-38.0pp |
| Annual return | 11.13% | 23.68%-12.6pp | 107.48%-96.4pp | 35.67%-24.5pp |
| Employer contribution / active EE | $113 | $2,066-94.5% | $3,469-96.7% | $2,757-95.9% |
| Participant deferral / active EE | $3,161 | $3,191-0.9% | $4,995-36.7% | $4,300-26.5% |
| Admin fee / account holder | $6,875 | $5,785+18.8% | $9,418-27.0% | $6,925-0.7% |