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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 | $33,724 | $78,670-57.1% | $109,173-69.1% | $85,847-60.7% |
| Participation rate | 56.2% | 68.3%-12.1pp | 75.9%-19.7pp | 69.3%-13.1pp |
| Annual return | 14.92% | 25.09%-10.2pp | 25.75%-10.8pp | 318.61%-303.7pp |
| Employer contribution / active EE | $13 | $2,734-99.5% | $3,723-99.6% | $2,565-99.5% |
| Participant deferral / active EE | $2,627 | $3,467-24.2% | $4,654-43.5% | $3,952-33.5% |
| Admin fee / account holder | $1,190 | $5,469-78.2% | $6,755-82.4% | $6,261-81.0% |