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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 | $38,703 | $65,367-40.8% | $92,915-58.3% | $72,976-47.0% |
| Participation rate | 43.1% | 68.3%-25.2pp | 76.0%-32.9pp | 69.5%-26.4pp |
| Annual return | 17.63% | 42.11%-24.5pp | 109.45%-91.8pp | 81.02%-63.4pp |
| Employer contribution / active EE | $173 | $2,594-93.3% | $3,653-95.3% | $2,440-92.9% |
| Participant deferral / active EE | $1,808 | $3,128-42.2% | $4,238-57.3% | $3,608-49.9% |
| Admin fee / account holder | $517 | $4,251-87.8% | $5,796-91.1% | $5,124-89.9% |