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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 | $45,558 | $87,733-48.1% | $106,551-57.2% | $85,856-46.9% |
| Participation rate | 60.0% | 71.9%-11.9pp | 76.1%-16.1pp | 69.3%-9.3pp |
| Annual return | 14.52% | 21.86%-7.3pp | 26.80%-12.3pp | 318.58%-304.1pp |
| Employer contribution / active EE | $325 | $2,073-84.3% | $2,819-88.5% | $2,565-87.3% |
| Participant deferral / active EE | $3,245 | $3,469-6.5% | $4,398-26.2% | $3,952-17.9% |
| Admin fee / account holder | $7,275 | $6,767+7.5% | $7,408-1.8% | $6,261+16.2% |