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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 | $25,494 | $88,707-71.3% | $74,184-65.6% | $273,972-90.7% |
| Participation rate | 69.2% | 79.4%-10.2pp | 76.6%-7.4pp | 83.0%-13.8pp |
| Annual return | 6.57% | 11.94%-5.4pp | 17.74%-11.2pp | 41.46%-34.9pp |
| Employer contribution / active EE | $259 | $3,159-91.8% | $2,370-89.1% | $4,869-94.7% |
| Participant deferral / active EE | $1,309 | $4,212-68.9% | $3,550-63.1% | $5,287-75.2% |
| Admin fee / account holder | $1,006 | $8,717-88.5% | $5,586-82.0% | $10,133-90.1% |