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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 | $31,019 | $72,492-57.2% | $87,104-64.4% | $72,975-57.5% |
| Participation rate | 43.4% | 72.8%-29.4pp | 76.9%-33.5pp | 69.5%-26.1pp |
| Annual return | 21.49% | 24.46%-3.0pp | 28.19%-6.7pp | 81.01%-59.5pp |
| Employer contribution / active EE | $44 | $1,894-97.7% | $2,521-98.3% | $2,440-98.2% |
| Participant deferral / active EE | $2,015 | $3,270-38.4% | $4,048-50.2% | $3,608-44.2% |
| Admin fee / account holder | $4,354 | $5,055-13.9% | $7,491-41.9% | $5,124-15.0% |