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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 | $31,752 | $53,936-41.1% | $68,368-53.6% | - |
| Participation rate | 56.6% | 60.3%-3.8pp | 73.8%-17.2pp | - |
| Annual return | 15.03% | 12.86%+2.2pp | 292.57%-277.5pp | - |
| Employer contribution / active EE | $422 | $2,803-84.9% | $2,649-84.1% | - |
| Participant deferral / active EE | $1,976 | $3,423-42.3% | $4,123-52.1% | - |
| Admin fee / account holder | $2,588 | $3,404-24.0% | $5,150-49.7% | - |