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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 | $20,504 | $63,845-67.9% | $81,370-74.8% | $80,959-74.7% |
| Participation rate | 56.8% | 63.9%-7.1pp | 69.5%-12.7pp | 67.7%-10.8pp |
| Annual return | 16.51% | 16.37%+0.1pp | 24.85%-8.3pp | 35.67%-19.2pp |
| Employer contribution / active EE | $0 | $1,980-100.0% | $2,464-100.0% | $2,757-100.0% |
| Participant deferral / active EE | $1,585 | $3,093-48.7% | $3,885-59.2% | $4,300-63.1% |
| Admin fee / account holder | $840 | $5,688-85.2% | $5,749-85.4% | $6,925-87.9% |