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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 | $23,742 | $54,162-56.2% | $68,612-65.4% | $64,173-63.0% |
| Participation rate | 61.7% | 68.1%-6.4pp | 72.2%-10.6pp | 69.6%-7.9pp |
| Annual return | 2.99% | -1.62%+4.6pp | -4.63%+7.6pp | 7.63%-4.6pp |
| Employer contribution / active EE | $144 | $1,846-92.2% | $2,625-94.5% | $2,381-93.9% |
| Participant deferral / active EE | $1,220 | $2,626-53.5% | $3,311-63.1% | $3,470-64.8% |
| Admin fee / account holder | $1,027 | $4,029-74.5% | $5,131-80.0% | $4,887-79.0% |