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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 | $24,512 | $111,535-78.0% | $105,223-76.7% | $137,256-82.1% |
| Participation rate | 50.0% | 78.1%-28.1pp | 75.0%-25.0pp | 80.0%-30.0pp |
| Annual return | 17.86% | 237.85%-220.0pp | 180.65%-162.8pp | 220.34%-202.5pp |
| Employer contribution / active EE | $406 | $3,939-89.7% | $3,689-89.0% | $4,156-90.2% |
| Participant deferral / active EE | $2,935 | $5,500-46.6% | $5,072-42.1% | $6,407-54.2% |
| Admin fee / account holder | $645 | $9,721-93.4% | $8,859-92.7% | $12,270-94.7% |