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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 | $56,289 | $73,981-23.9% | $105,754-46.8% | $62,881-10.5% |
| Participation rate | 42.7% | 71.7%-29.0pp | 78.9%-36.2pp | 69.3%-26.6pp |
| Annual return | 6.06% | 17.60%-11.5pp | 12.25%-6.2pp | 20.14%-14.1pp |
| Employer contribution / active EE | $240 | $2,856-91.6% | $4,079-94.1% | $2,281-89.5% |
| Participant deferral / active EE | $2,020 | $4,038-50.0% | $5,326-62.1% | $3,203-36.9% |
| Admin fee / account holder | $1,192 | $5,976-80.0% | $8,309-85.6% | $4,296-72.2% |