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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 | $81,457-58.7% | $103,378-67.4% | $80,911-58.4% |
| Participation rate | 38.7% | 66.8%-28.1pp | 74.5%-35.8pp | 67.6%-28.9pp |
| Annual return | 27.10% | 25.58%+1.5pp | 24.91%+2.2pp | 35.63%-8.5pp |
| Employer contribution / active EE | $654 | $3,107-78.9% | $3,870-83.1% | $2,756-76.3% |
| Participant deferral / active EE | $2,327 | $3,871-39.9% | $5,058-54.0% | $4,297-45.8% |
| Admin fee / account holder | $2,971 | $6,717-55.8% | $8,401-64.6% | $6,935-57.2% |