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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 | $34,182 | $108,825-68.6% | $156,181-78.1% | $82,448-58.5% |
| Participation rate | 52.9% | 72.4%-19.4pp | 78.8%-25.9pp | 68.1%-15.1pp |
| Annual return | 13.66% | 20.59%-6.9pp | 64.87%-51.2pp | 41.64%-28.0pp |
| Employer contribution / active EE | $438 | $2,870-84.7% | $4,294-89.8% | $2,551-82.8% |
| Participant deferral / active EE | $2,076 | $4,577-54.7% | $6,132-66.2% | $4,139-49.9% |
| Admin fee / account holder | $1,207 | $9,341-87.1% | $14,586-91.7% | $7,234-83.3% |