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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 | $25,326 | $87,546-71.1% | $75,784-66.6% | $125,389-79.8% |
| Participation rate | 63.6% | 80.2%-16.5pp | 75.8%-12.2pp | 83.2%-19.6pp |
| Annual return | 0.55% | 13.49%-12.9pp | 9.68%-9.1pp | 282.24%-281.7pp |
| Employer contribution / active EE | $439 | $3,930-88.8% | $3,323-86.8% | $4,866-91.0% |
| Participant deferral / active EE | $1,378 | $4,230-67.4% | $3,652-62.3% | $5,352-74.3% |
| Admin fee / account holder | $2,871 | $6,503-55.9% | $5,300-45.8% | $9,541-69.9% |