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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 | $45,697 | $109,620-58.3% | $148,496-69.2% | $94,015-51.4% |
| Participation rate | 53.3% | 71.3%-17.9pp | 76.0%-22.7pp | 70.8%-17.5pp |
| Annual return | 12.64% | 17.54%-4.9pp | 12.33%+0.3pp | 17.84%-5.2pp |
| Employer contribution / active EE | $437 | $2,618-83.3% | $3,497-87.5% | $2,790-84.3% |
| Participant deferral / active EE | $1,939 | $3,831-49.4% | $4,808-59.7% | $4,249-54.4% |
| Admin fee / account holder | $2,407 | $10,050-76.0% | $19,547-87.7% | $8,951-73.1% |