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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 | $21,446 | $73,978-71.0% | $96,515-77.8% | $75,173-71.5% |
| Participation rate | 43.7% | 66.4%-22.8pp | 74.3%-30.7pp | 67.2%-23.5pp |
| Annual return | 26.92% | 26.72%+0.2pp | 35.73%-8.8pp | 160.72%-133.8pp |
| Employer contribution / active EE | $379 | $2,931-87.1% | $3,740-89.9% | $2,671-85.8% |
| Participant deferral / active EE | $2,841 | $3,660-22.4% | $4,880-41.8% | $4,126-31.1% |
| Admin fee / account holder | $2,008 | $5,219-61.5% | $6,735-70.2% | $5,651-64.5% |