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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 | $27,856 | $71,230-60.9% | $93,727-70.3% | $80,959-65.6% |
| Participation rate | 62.9% | 60.4%+2.5pp | 68.7%-5.8pp | 67.7%-4.8pp |
| Annual return | 10.79% | 11.26%-0.5pp | 133.83%-123.0pp | 35.67%-24.9pp |
| Employer contribution / active EE | $344 | $1,565-78.0% | $2,421-85.8% | $2,757-87.5% |
| Participant deferral / active EE | $2,640 | $4,037-34.6% | $4,417-40.2% | $4,300-38.6% |
| Admin fee / account holder | $5,629 | $6,961-19.1% | $8,292-32.1% | $6,925-18.7% |