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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 | $33,680 | $81,487-58.7% | $102,412-67.1% | $80,935-58.4% |
| Participation rate | 38.7% | 66.8%-28.1pp | 74.5%-35.8pp | 67.7%-29.0pp |
| Annual return | 27.10% | 25.60%+1.5pp | 24.94%+2.2pp | 35.66%-8.6pp |
| Employer contribution / active EE | $654 | $3,103-78.9% | $3,870-83.1% | $2,757-76.3% |
| Participant deferral / active EE | $2,327 | $3,871-39.9% | $5,060-54.0% | $4,299-45.9% |
| Admin fee / account holder | $2,971 | $6,717-55.8% | $8,388-64.6% | $6,924-57.1% |