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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 | $24,633 | $56,287-56.2% | $80,977-69.6% | $62,881-60.8% |
| Participation rate | 67.5% | 68.9%-1.4pp | 75.8%-8.3pp | 69.3%-1.8pp |
| Annual return | 9.61% | 22.13%-12.5pp | 17.11%-7.5pp | 20.14%-10.5pp |
| Employer contribution / active EE | $0 | $1,943-100.0% | $3,715-100.0% | $2,281-100.0% |
| Participant deferral / active EE | $4,620 | $4,196+10.1% | $5,696-18.9% | $3,203+44.2% |
| Admin fee / account holder | $908 | $3,742-75.7% | $5,517-83.5% | $4,296-78.9% |