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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 | $34,139 | $71,534-52.3% | $98,462-65.3% | $71,529-52.3% |
| Participation rate | 37.0% | 72.7%-35.7pp | 75.2%-38.2pp | 67.9%-30.9pp |
| Annual return | 14.09% | 32.44%-18.4pp | 21.17%-7.1pp | 28.97%-14.9pp |
| Employer contribution / active EE | $428 | $2,399-82.2% | $3,049-86.0% | $2,590-83.5% |
| Participant deferral / active EE | $2,437 | $4,109-40.7% | $4,738-48.6% | $4,291-43.2% |
| Admin fee / account holder | $12,651 | $1,677+654.6% | $8,875+42.6% | $1,588+696.4% |