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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 | $33,167 | $51,895-36.1% | $93,063-64.4% | $79,634-58.4% |
| Participation rate | 15.7% | 52.6%-36.9pp | 72.1%-56.5pp | 62.5%-46.8pp |
| Annual return | 19.43% | 18.14%+1.3pp | 34.15%-14.7pp | 36.46%-17.0pp |
| Employer contribution / active EE | $238 | $1,561-84.7% | $2,476-90.4% | $2,529-90.6% |
| Participant deferral / active EE | $588 | $2,964-80.2% | $3,958-85.1% | $3,835-84.7% |
| Admin fee / account holder | $2,601 | $657+295.8% | $6,033-56.9% | $1,002+159.6% |