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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 | $28,821 | $65,704-56.1% | $94,229-69.4% | $59,633-51.7% |
| Participation rate | 48.8% | 72.1%-23.3pp | 78.8%-30.0pp | 68.7%-19.9pp |
| Annual return | 13.56% | 5.22%+8.3pp | 10.68%+2.9pp | 2041.45%-2027.9pp |
| Employer contribution / active EE | $211 | $2,021-89.6% | $3,587-94.1% | $2,203-90.4% |
| Participant deferral / active EE | $2,030 | $3,143-35.4% | $4,320-53.0% | $3,192-36.4% |
| Admin fee / account holder | $6,627 | $4,265+55.4% | $6,269+5.7% | $4,297+54.2% |