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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 | $34,698 | $57,140-39.3% | $85,240-59.3% | $80,959-57.1% |
| Participation rate | 41.9% | 56.4%-14.5pp | 67.5%-25.6pp | 67.7%-25.7pp |
| Annual return | 13.27% | 21.71%-8.4pp | 66.75%-53.5pp | 35.67%-22.4pp |
| Employer contribution / active EE | $20 | $1,802-98.9% | $2,735-99.3% | $2,757-99.3% |
| Participant deferral / active EE | $3,793 | $3,115+21.8% | $4,527-16.2% | $4,300-11.8% |
| Admin fee / account holder | $2,802 | $4,992-43.9% | $6,165-54.5% | $6,925-59.5% |