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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 | $20,706 | $69,337-70.1% | $84,637-75.5% | - |
| Participation rate | 41.4% | 59.9%-18.5pp | 68.2%-26.8pp | - |
| Annual return | 23.49% | 20.76%+2.7pp | 258.82%-235.3pp | - |
| Employer contribution / active EE | $1,077 | $2,334-53.9% | $2,653-59.4% | - |
| Participant deferral / active EE | $2,343 | $3,055-23.3% | $3,900-39.9% | - |
| Admin fee / account holder | $1,174 | $6,559-82.1% | $4,914-76.1% | - |