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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 | $16,247 | $69,444-76.6% | $92,985-82.5% | $87,485-81.4% |
| Participation rate | 36.0% | 63.3%-27.3pp | 69.5%-33.5pp | 68.9%-32.9pp |
| Annual return | 19.14% | 23.85%-4.7pp | 27.99%-8.9pp | 26.06%-6.9pp |
| Employer contribution / active EE | $126 | $1,917-93.4% | $2,662-95.3% | $2,596-95.1% |
| Participant deferral / active EE | $1,474 | $3,364-56.2% | $4,377-66.3% | $4,274-65.5% |
| Admin fee / account holder | $528 | $6,137-91.4% | $9,463-94.4% | $7,775-93.2% |