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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 | $36,431 | $29,670+22.8% | $56,054-35.0% | $80,911-55.0% |
| Participation rate | 39.2% | 41.7%-2.5pp | 52.5%-13.3pp | 67.6%-28.4pp |
| Annual return | 16.64% | 35.24%-18.6pp | 1705.95%-1689.3pp | 35.63%-19.0pp |
| Employer contribution / active EE | -$117 | $670-117.4% | $1,039-111.2% | $2,756-104.2% |
| Participant deferral / active EE | $1,873 | $1,227+52.6% | $1,952-4.1% | $4,297-56.4% |
| Admin fee / account holder | $4,394 | $2,431+80.8% | $2,822+55.7% | $6,935-36.6% |