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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 | $7,181 | $75,541-90.5% | $152,093-95.3% | $82,637-91.3% |
| Participation rate | 61.5% | 66.5%-5.0pp | 77.8%-16.2pp | 68.1%-6.5pp |
| Annual return | 18.76% | 32.56%-13.8pp | 66.36%-47.6pp | 53.51%-34.7pp |
| Employer contribution / active EE | $326 | $2,622-87.6% | $4,175-92.2% | $2,552-87.2% |
| Participant deferral / active EE | $1,719 | $3,206-46.4% | $5,451-68.5% | $4,126-58.3% |
| Admin fee / account holder | $2,515 | $6,405-60.7% | $14,497-82.7% | $7,339-65.7% |