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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 | $27,445 | $106,247-74.2% | $96,515-71.6% | $139,466-80.3% |
| Participation rate | 19.0% | 77.8%-58.8pp | 74.3%-55.3pp | 80.3%-61.3pp |
| Annual return | 17.92% | 38.47%-20.5pp | 35.73%-17.8pp | 373.66%-355.7pp |
| Employer contribution / active EE | $678 | $4,106-83.5% | $3,740-81.9% | $4,754-85.7% |
| Participant deferral / active EE | $1,610 | $5,456-70.5% | $4,880-67.0% | $6,712-76.0% |
| Admin fee / account holder | $1,550 | $7,885-80.3% | $6,735-77.0% | $11,409-86.4% |