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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 | $31,816 | $102,422-68.9% | $147,117-78.4% | $80,959-60.7% |
| Participation rate | 58.8% | 75.9%-17.0pp | 82.2%-23.4pp | 67.7%-8.8pp |
| Annual return | 21.71% | 135.16%-113.4pp | 420.54%-398.8pp | 35.67%-14.0pp |
| Employer contribution / active EE | $80 | $3,717-97.8% | $4,932-98.4% | $2,757-97.1% |
| Participant deferral / active EE | $4,513 | $6,652-32.2% | $8,065-44.0% | $4,300+4.9% |
| Admin fee / account holder | $8,010 | $7,953+0.7% | $12,993-38.3% | $6,925+15.7% |