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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 | $30,904 | $56,894-45.7% | $84,753-63.5% | $62,881-50.9% |
| Participation rate | 60.7% | 68.5%-7.9pp | 76.6%-15.9pp | 69.3%-8.6pp |
| Annual return | 6.62% | 6.30%+0.3pp | 22.78%-16.2pp | 20.14%-13.5pp |
| Employer contribution / active EE | $43 | $2,400-98.2% | $3,574-98.8% | $2,281-98.1% |
| Participant deferral / active EE | $1,095 | $2,709-59.6% | $3,712-70.5% | $3,203-65.8% |
| Admin fee / account holder | $2,252 | $3,581-37.1% | $5,333-57.8% | $4,296-47.6% |