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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 | $21,453 | $81,276-73.6% | $155,574-86.2% | $80,925-73.5% |
| Participation rate | 29.6% | 66.2%-36.6pp | 78.2%-48.6pp | 67.7%-38.0pp |
| Annual return | 18.94% | 33.36%-14.4pp | 64.87%-45.9pp | 35.65%-16.7pp |
| Employer contribution / active EE | $196 | $3,103-93.7% | $4,676-95.8% | $2,756-92.9% |
| Participant deferral / active EE | $1,849 | $3,453-46.5% | $5,629-67.2% | $4,299-57.0% |
| Admin fee / account holder | $2,341 | $7,993-70.7% | $15,914-85.3% | $6,940-66.3% |