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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 | $45,843 | $102,065-55.1% | $453,569-89.9% | $85,851-46.6% |
| Participation rate | 56.4% | 72.4%-16.0pp | 78.0%-21.6pp | 69.3%-12.9pp |
| Annual return | 13.81% | 25.44%-11.6pp | 64.43%-50.6pp | 318.63%-304.8pp |
| Employer contribution / active EE | $379 | $2,852-86.7% | $4,072-90.7% | $2,565-85.2% |
| Participant deferral / active EE | $3,004 | $4,789-37.3% | $6,211-51.6% | $3,952-24.0% |
| Admin fee / account holder | $2,192 | $5,717-61.6% | $11,214-80.4% | $6,261-65.0% |