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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 | $29,178 | $73,978-60.6% | $96,515-69.8% | $75,173-61.2% |
| Participation rate | 32.5% | 66.4%-33.9pp | 74.3%-41.8pp | 67.2%-34.7pp |
| Annual return | 18.60% | 26.72%-8.1pp | 35.73%-17.1pp | 160.72%-142.1pp |
| Employer contribution / active EE | $284 | $2,931-90.3% | $3,740-92.4% | $2,671-89.4% |
| Participant deferral / active EE | $1,852 | $3,660-49.4% | $4,880-62.0% | $4,126-55.1% |
| Admin fee / account holder | $3,041 | $5,219-41.7% | $6,735-54.9% | $5,651-46.2% |