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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 | $43,516 | $69,977-37.8% | $108,582-59.9% | $62,881-30.8% |
| Participation rate | 39.1% | 72.9%-33.8pp | 79.6%-40.4pp | 69.3%-30.2pp |
| Annual return | 23.26% | 10.73%+12.5pp | -51.70%+75.0pp | 20.14%+3.1pp |
| Employer contribution / active EE | $423 | $2,135-80.2% | $3,758-88.7% | $2,281-81.5% |
| Participant deferral / active EE | $2,189 | $3,165-30.8% | $4,311-49.2% | $3,203-31.6% |
| Admin fee / account holder | $2,320 | $5,076-54.3% | $7,645-69.6% | $4,296-46.0% |