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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 | $36,732 | $127,387-71.2% | $115,038-68.1% | $125,389-70.7% |
| Participation rate | 33.3% | 84.2%-50.8pp | 81.4%-48.0pp | 83.2%-49.9pp |
| Annual return | 0.84% | 31.28%-30.4pp | 26.14%-25.3pp | 282.24%-281.4pp |
| Employer contribution / active EE | $828 | $5,166-84.0% | $4,608-82.0% | $4,866-83.0% |
| Participant deferral / active EE | $2,116 | $6,423-67.1% | $6,026-64.9% | $5,352-60.5% |
| Admin fee / account holder | $44,805 | $9,516+370.8% | $8,175+448.1% | $9,541+369.6% |