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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 | $23,115 | $45,041-48.7% | $63,003-63.3% | $70,131-67.0% |
| Participation rate | 49.4% | 69.5%-20.2pp | 74.8%-25.5pp | 69.5%-20.2pp |
| Annual return | 13.85% | 18.76%-4.9pp | 87.59%-73.7pp | 73.14%-59.3pp |
| Employer contribution / active EE | $43 | $2,052-97.9% | $2,760-98.4% | $2,342-98.2% |
| Participant deferral / active EE | $1,733 | $2,465-29.7% | $3,329-47.9% | $3,332-48.0% |
| Admin fee / account holder | $4,586 | $2,836+61.7% | $3,600+27.4% | $4,645-1.3% |