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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 | $13,494 | $67,894-80.1% | $89,340-84.9% | $82,448-83.6% |
| Participation rate | 27.8% | 64.0%-36.3pp | 69.6%-41.8pp | 68.1%-40.3pp |
| Annual return | 16.97% | 19.21%-2.2pp | 20.57%-3.6pp | 41.64%-24.7pp |
| Employer contribution / active EE | $0 | $1,828-100.0% | $2,231-100.0% | $2,551-100.0% |
| Participant deferral / active EE | $1,944 | $3,072-36.7% | $3,823-49.2% | $4,139-53.0% |
| Admin fee / account holder | $934 | $5,723-83.7% | $6,704-86.1% | $7,234-87.1% |