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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 | $58,627-72.3% | $76,735-78.8% | $82,448-80.3% |
| Participation rate | 36.0% | 63.2%-27.2pp | 69.5%-33.5pp | 68.1%-32.1pp |
| Annual return | 19.14% | 39.10%-20.0pp | 29.77%-10.6pp | 41.64%-22.5pp |
| Employer contribution / active EE | $126 | $1,729-92.7% | $2,454-94.9% | $2,551-95.1% |
| Participant deferral / active EE | $1,474 | $3,134-53.0% | $4,088-64.0% | $4,139-64.4% |
| Admin fee / account holder | $528 | $5,323-90.1% | $7,189-92.7% | $7,234-92.7% |