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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 | $39,033 | $78,707-50.4% | $117,861-66.9% | $70,126-44.3% |
| Participation rate | 68.8% | 73.2%-4.4pp | 79.7%-10.9pp | 69.5%-0.8pp |
| Annual return | 14.09% | 23.30%-9.2pp | 335.11%-321.0pp | 73.15%-59.1pp |
| Employer contribution / active EE | $253 | $2,223-88.6% | $3,786-93.3% | $2,343-89.2% |
| Participant deferral / active EE | $1,567 | $3,297-52.5% | $4,482-65.0% | $3,332-53.0% |
| Admin fee / account holder | $436 | $5,066-91.4% | $8,021-94.6% | $4,645-90.6% |