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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 | $64,485 | $64,890-0.6% | $134,172-51.9% | $67,986-5.1% |
| Participation rate | 30.7% | 48.5%-17.8pp | 72.5%-41.8pp | 57.2%-26.5pp |
| Annual return | 16.29% | 16.12%+0.2pp | 25.30%-9.0pp | 31.67%-15.4pp |
| Employer contribution / active EE | $226 | $1,360-83.4% | $3,420-93.4% | $2,019-88.8% |
| Participant deferral / active EE | $1,419 | $2,289-38.0% | $4,690-69.8% | $3,358-57.7% |
| Admin fee / account holder | $783 | $3,140-75.1% | $12,016-93.5% | $3,203-75.6% |