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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 | $51,651 | $85,060-39.3% | $70,548-26.8% | $139,456-63.0% |
| Participation rate | 62.5% | 73.9%-11.4pp | 68.3%-5.8pp | 80.3%-17.8pp |
| Annual return | 14.51% | 30.38%-15.9pp | 32.78%-18.3pp | 373.45%-358.9pp |
| Employer contribution / active EE | $475 | $3,911-87.9% | $2,975-84.0% | $4,753-90.0% |
| Participant deferral / active EE | $2,244 | $5,890-61.9% | $4,567-50.9% | $6,711-66.6% |
| Admin fee / account holder | $2,397 | $8,925-73.1% | $6,424-62.7% | $11,407-79.0% |