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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 | $19,090 | $64,462-70.4% | $81,482-76.6% | $80,911-76.4% |
| Participation rate | 50.0% | 63.9%-13.9pp | 69.5%-19.5pp | 67.6%-17.6pp |
| Annual return | 11.50% | 16.35%-4.8pp | 24.79%-13.3pp | 35.63%-24.1pp |
| Employer contribution / active EE | $170 | $1,979-91.4% | $2,463-93.1% | $2,756-93.8% |
| Participant deferral / active EE | $1,063 | $3,094-65.6% | $3,885-72.6% | $4,297-75.3% |
| Admin fee / account holder | $975 | $5,678-82.8% | $5,761-83.1% | $6,935-85.9% |