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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 | $21,174 | $73,988-71.4% | $96,538-78.1% | $75,177-71.8% |
| Participation rate | 14.3% | 66.4%-52.1pp | 74.3%-60.1pp | 67.2%-52.9pp |
| Annual return | 17.19% | 26.73%-9.5pp | 35.74%-18.5pp | 160.75%-143.6pp |
| Employer contribution / active EE | $634 | $2,930-78.4% | $3,740-83.1% | $2,671-76.3% |
| Participant deferral / active EE | $1,654 | $3,660-54.8% | $4,880-66.1% | $4,126-59.9% |
| Admin fee / account holder | $418 | $5,220-92.0% | $6,737-93.8% | $5,651-92.6% |