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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 | $18,610 | $58,311-68.1% | $81,882-77.3% | $80,959-77.0% |
| Participation rate | 48.4% | 63.5%-15.1pp | 72.4%-24.0pp | 67.7%-19.3pp |
| Annual return | 11.40% | 41.85%-30.4pp | 779.47%-768.1pp | 35.67%-24.3pp |
| Employer contribution / active EE | $145 | $2,347-93.8% | $2,916-95.0% | $2,757-94.7% |
| Participant deferral / active EE | $4,055 | $3,287+23.4% | $4,323-6.2% | $4,300-5.7% |
| Admin fee / account holder | $1,080 | $4,752-77.3% | $7,360-85.3% | $6,925-84.4% |