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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 | $27,237 | $45,087-39.6% | $69,483-60.8% | $72,976-62.7% |
| Participation rate | 13.2% | 68.5%-55.3pp | 74.6%-61.4pp | 69.5%-56.3pp |
| Annual return | 24.85% | 22.67%+2.2pp | 28.99%-4.1pp | 81.02%-56.2pp |
| Employer contribution / active EE | $347 | $2,055-83.1% | $2,780-87.5% | $2,440-85.8% |
| Participant deferral / active EE | $880 | $2,603-66.2% | $3,537-75.1% | $3,608-75.6% |
| Admin fee / account holder | $1,107 | $3,057-63.8% | $3,841-71.2% | $5,124-78.4% |