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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 | $58,857 | $103,392-43.1% | $87,104-32.4% | $152,897-61.5% |
| Participation rate | 25.0% | 79.4%-54.4pp | 76.9%-51.9pp | 82.5%-57.5pp |
| Annual return | 24.74% | 28.10%-3.4pp | 28.19%-3.4pp | 345.43%-320.7pp |
| Employer contribution / active EE | $198 | $3,221-93.9% | $2,521-92.1% | $4,764-95.8% |
| Participant deferral / active EE | $2,970 | $4,778-37.8% | $4,048-26.6% | $5,851-49.2% |
| Admin fee / account holder | $540 | $12,194-95.6% | $7,491-92.8% | $11,599-95.3% |