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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 | $15,014 | $45,087-66.7% | $69,483-78.4% | $72,976-79.4% |
| Participation rate | 47.0% | 68.5%-21.5pp | 74.6%-27.6pp | 69.5%-22.5pp |
| Annual return | 16.84% | 22.67%-5.8pp | 28.99%-12.1pp | 81.02%-64.2pp |
| Employer contribution / active EE | $330 | $2,055-83.9% | $2,780-88.1% | $2,440-86.5% |
| Participant deferral / active EE | $888 | $2,603-65.9% | $3,537-74.9% | $3,608-75.4% |
| Admin fee / account holder | $1,682 | $3,057-45.0% | $3,841-56.2% | $5,124-67.2% |