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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 | $28,331 | $81,487-65.2% | $102,412-72.3% | $80,935-65.0% |
| Participation rate | 34.1% | 66.8%-32.7pp | 74.5%-40.4pp | 67.7%-33.6pp |
| Annual return | 14.80% | 25.60%-10.8pp | 24.94%-10.1pp | 35.66%-20.9pp |
| Employer contribution / active EE | $637 | $3,103-79.5% | $3,870-83.5% | $2,757-76.9% |
| Participant deferral / active EE | $2,045 | $3,871-47.2% | $5,060-59.6% | $4,299-52.4% |
| Admin fee / account holder | $577 | $6,717-91.4% | $8,388-93.1% | $6,924-91.7% |