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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 | $18,365 | $72,027-74.5% | $185,835-90.1% | $79,852-77.0% |
| Participation rate | 60.4% | 65.8%-5.4pp | 78.0%-17.7pp | 69.6%-9.3pp |
| Annual return | 14.69% | 23.13%-8.4pp | 35.96%-21.3pp | 31.72%-17.0pp |
| Employer contribution / active EE | $302 | $1,965-84.6% | $4,087-92.6% | $2,471-87.8% |
| Participant deferral / active EE | $1,817 | $3,780-51.9% | $5,633-67.7% | $3,740-51.4% |
| Admin fee / account holder | $1,484 | $4,513-67.1% | $9,502-84.4% | $5,306-72.0% |