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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 | $28,786 | $86,050-66.5% | $189,758-84.8% | $94,015-69.4% |
| Participation rate | 34.0% | 68.9%-34.9pp | 79.8%-45.8pp | 70.8%-36.9pp |
| Annual return | 20.83% | 17.77%+3.1pp | 52.62%-31.8pp | 17.84%+3.0pp |
| Employer contribution / active EE | $368 | $2,819-87.0% | $4,767-92.3% | $2,790-86.8% |
| Participant deferral / active EE | $2,270 | $3,349-32.2% | $5,856-61.2% | $4,249-46.6% |
| Admin fee / account holder | $2,245 | $6,627-66.1% | $20,388-89.0% | $8,951-74.9% |