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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 | $66,338 | $106,247-37.6% | $96,515-31.3% | $139,466-52.4% |
| Participation rate | 14.3% | 77.8%-63.6pp | 74.3%-60.1pp | 80.3%-66.0pp |
| Annual return | 18.42% | 38.47%-20.0pp | 35.73%-17.3pp | 373.66%-355.2pp |
| Employer contribution / active EE | $201 | $4,106-95.1% | $3,740-94.6% | $4,754-95.8% |
| Participant deferral / active EE | $2,929 | $5,456-46.3% | $4,880-40.0% | $6,712-56.4% |
| Admin fee / account holder | $460 | $7,885-94.2% | $6,735-93.2% | $11,409-96.0% |