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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 | $68,607-6.0% | $147,027-56.1% | $64,340+0.2% |
| Participation rate | 30.7% | 50.4%-19.7pp | 73.7%-43.0pp | 55.2%-24.5pp |
| Annual return | 16.29% | 13.75%+2.5pp | 20.23%-3.9pp | 24.14%-7.8pp |
| Employer contribution / active EE | $226 | $1,554-85.5% | $3,626-93.8% | $1,862-87.9% |
| Participant deferral / active EE | $1,419 | $2,402-40.9% | $4,933-71.2% | $2,980-52.4% |
| Admin fee / account holder | $783 | $3,287-76.2% | $12,223-93.6% | $3,703-78.9% |