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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 | $34,613 | $58,311-40.6% | $81,882-57.7% | $80,959-57.2% |
| Participation rate | 22.4% | 63.5%-41.0pp | 72.4%-49.9pp | 67.7%-45.2pp |
| Annual return | 12.62% | 41.85%-29.2pp | 779.47%-766.9pp | 35.67%-23.0pp |
| Employer contribution / active EE | $200 | $2,347-91.5% | $2,916-93.1% | $2,757-92.7% |
| Participant deferral / active EE | $1,490 | $3,287-54.7% | $4,323-65.5% | $4,300-65.4% |
| Admin fee / account holder | $3,352 | $4,752-29.5% | $7,360-54.5% | $6,925-51.6% |