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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 | $48,074 | $98,766-51.3% | $149,730-67.9% | $79,852-39.8% |
| Participation rate | 56.7% | 75.8%-19.1pp | 82.5%-25.8pp | 69.6%-12.9pp |
| Annual return | 27.94% | 27.43%+0.5pp | 276.70%-248.8pp | 31.72%-3.8pp |
| Employer contribution / active EE | $26 | $3,217-99.2% | $4,645-99.4% | $2,471-99.0% |
| Participant deferral / active EE | $8,488 | $5,681+49.4% | $6,843+24.0% | $3,740+126.9% |
| Admin fee / account holder | $2,646 | $6,052-56.3% | $9,310-71.6% | $5,306-50.1% |