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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 | $34,031 | $52,279-34.9% | $89,435-61.9% | $79,856-57.4% |
| Participation rate | 42.2% | 57.5%-15.3pp | 68.0%-25.8pp | 69.6%-27.4pp |
| Annual return | 11.81% | 22.16%-10.4pp | 245.55%-233.7pp | 31.71%-19.9pp |
| Employer contribution / active EE | $196 | $1,572-87.5% | $2,587-92.4% | $2,471-92.1% |
| Participant deferral / active EE | $1,653 | $2,740-39.7% | $3,890-57.5% | $3,741-55.8% |
| Admin fee / account holder | $739 | $3,356-78.0% | $4,884-84.9% | $5,306-86.1% |