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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 | $23,402 | $60,349-61.2% | $74,184-68.5% | $62,881-62.8% |
| Participation rate | 69.6% | 72.7%-3.1pp | 76.6%-7.0pp | 69.3%+0.3pp |
| Annual return | 6.87% | 21.38%-14.5pp | 17.74%-10.9pp | 20.14%-13.3pp |
| Employer contribution / active EE | $287 | $1,680-82.9% | $2,370-87.9% | $2,281-87.4% |
| Participant deferral / active EE | $1,464 | $2,856-48.7% | $3,550-58.8% | $3,203-54.3% |
| Admin fee / account holder | $1,287 | $4,261-69.8% | $5,586-77.0% | $4,296-70.0% |