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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 | $11,704 | $43,344-73.0% | $59,899-80.5% | $64,173-81.8% |
| Participation rate | 48.1% | 69.2%-21.0pp | 74.7%-26.5pp | 69.6%-21.4pp |
| Annual return | 7.58% | -1.55%+9.1pp | 3.46%+4.1pp | 7.63%-0.1pp |
| Employer contribution / active EE | $314 | $2,030-84.5% | $2,723-88.5% | $2,381-86.8% |
| Participant deferral / active EE | $1,285 | $2,547-49.6% | $3,402-62.2% | $3,470-63.0% |
| Admin fee / account holder | $1,439 | $3,008-52.2% | $3,592-60.0% | $4,887-70.6% |