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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 | $54,649 | $81,331-32.8% | $155,534-64.9% | $80,935-32.5% |
| Participation rate | 29.6% | 66.3%-36.6pp | 78.2%-48.6pp | 67.7%-38.0pp |
| Annual return | 20.67% | 33.37%-12.7pp | 64.92%-44.3pp | 35.66%-15.0pp |
| Employer contribution / active EE | $297 | $3,105-90.4% | $4,675-93.7% | $2,757-89.2% |
| Participant deferral / active EE | $1,314 | $3,454-62.0% | $5,630-76.7% | $4,299-69.4% |
| Admin fee / account holder | $745 | $7,999-90.7% | $15,900-95.3% | $6,924-89.2% |