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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 | $34,503 | $63,346-45.5% | $92,240-62.6% | $70,126-50.8% |
| Participation rate | 13.3% | 68.7%-55.3pp | 76.5%-63.1pp | 69.5%-56.2pp |
| Annual return | 22.85% | 530.19%-507.3pp | 176.29%-153.4pp | 73.15%-50.3pp |
| Employer contribution / active EE | $432 | $2,471-82.5% | $3,680-88.3% | $2,343-81.6% |
| Participant deferral / active EE | $1,861 | $2,854-34.8% | $3,897-52.2% | $3,332-44.1% |
| Admin fee / account holder | $834 | $3,841-78.3% | $5,194-83.9% | $4,645-82.0% |