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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 | $32,518 | $154,193-78.9% | $130,045-75.0% | $139,466-76.7% |
| Participation rate | 47.4% | 82.0%-34.6pp | 78.5%-31.1pp | 80.3%-33.0pp |
| Annual return | 18.12% | 32.51%-14.4pp | -137.30%+155.4pp | 373.66%-355.5pp |
| Employer contribution / active EE | $548 | $5,292-89.7% | $4,321-87.3% | $4,754-88.5% |
| Participant deferral / active EE | $2,556 | $6,709-61.9% | $5,820-56.1% | $6,712-61.9% |
| Admin fee / account holder | $1,778 | $13,989-87.3% | $10,600-83.2% | $11,409-84.4% |