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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 | $26,080 | $99,345-73.7% | $84,753-69.2% | $273,972-90.5% |
| Participation rate | 54.5% | 80.7%-26.1pp | 76.6%-22.0pp | 83.0%-28.5pp |
| Annual return | 6.84% | 22.93%-16.1pp | 22.78%-15.9pp | 41.46%-34.6pp |
| Employer contribution / active EE | $457 | $4,214-89.2% | $3,574-87.2% | $4,869-90.6% |
| Participant deferral / active EE | $1,271 | $4,270-70.2% | $3,712-65.8% | $5,287-76.0% |
| Admin fee / account holder | $415 | $6,645-93.7% | $5,333-92.2% | $10,133-95.9% |