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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 | $19,501 | $50,947-61.7% | $74,551-73.8% | $64,173-69.6% |
| Participation rate | 28.1% | 61.1%-32.9pp | 69.1%-41.0pp | 69.6%-41.4pp |
| Annual return | 25.01% | -1.85%+26.9pp | 32.53%-7.5pp | 7.63%+17.4pp |
| Employer contribution / active EE | $122 | $1,115-89.1% | $1,961-93.8% | $2,381-94.9% |
| Participant deferral / active EE | $1,219 | $2,302-47.0% | $3,108-60.8% | $3,470-64.9% |
| Admin fee / account holder | $11,866 | $4,221+181.1% | $5,059+134.5% | $4,887+142.8% |