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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 | $25,298 | $77,814-67.5% | $158,223-84.0% | $86,983-70.9% |
| Participation rate | 37.7% | 68.4%-30.7pp | 79.2%-41.5pp | 69.5%-31.8pp |
| Annual return | 13.94% | 30.54%-16.6pp | 52.09%-38.2pp | 25.83%-11.9pp |
| Employer contribution / active EE | $167 | $2,592-93.5% | $4,109-95.9% | $2,584-93.5% |
| Participant deferral / active EE | $1,364 | $3,270-58.3% | $5,467-75.0% | $4,194-67.5% |
| Admin fee / account holder | $387 | $5,879-93.4% | $16,047-97.6% | $7,856-95.1% |