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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 | $32,757 | $43,496-24.7% | $161,489-79.7% | $64,340-49.1% |
| Participation rate | 28.8% | 53.5%-24.7pp | 78.7%-49.9pp | 55.2%-26.5pp |
| Annual return | 12.68% | 20.76%-8.1pp | 89.72%-77.0pp | 24.14%-11.5pp |
| Employer contribution / active EE | $262 | $1,431-81.7% | $4,268-93.9% | $1,862-85.9% |
| Participant deferral / active EE | $2,285 | $1,996+14.5% | $5,630-59.4% | $2,980-23.3% |
| Admin fee / account holder | $3,828 | $2,330+64.2% | $16,006-76.1% | $3,703+3.4% |