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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 | $26,470 | $65,034-59.3% | $90,970-70.9% | $79,856-66.9% |
| Participation rate | 52.3% | 61.6%-9.3pp | 69.0%-16.7pp | 69.6%-17.3pp |
| Annual return | 19.57% | 30.45%-10.9pp | 134.60%-115.0pp | 31.71%-12.1pp |
| Employer contribution / active EE | $226 | $1,247-81.9% | $2,122-89.3% | $2,471-90.8% |
| Participant deferral / active EE | $1,634 | $2,512-34.9% | $3,373-51.5% | $3,741-56.3% |
| Admin fee / account holder | $902 | $4,536-80.1% | $5,961-84.9% | $5,306-83.0% |