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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 | $14,141 | $45,087-68.6% | $69,483-79.6% | $72,976-80.6% |
| Participation rate | 60.7% | 68.5%-7.8pp | 74.6%-13.9pp | 69.5%-8.8pp |
| Annual return | 23.21% | 22.67%+0.5pp | 28.99%-5.8pp | 81.02%-57.8pp |
| Employer contribution / active EE | $290 | $2,055-85.9% | $2,780-89.6% | $2,440-88.1% |
| Participant deferral / active EE | $1,738 | $2,603-33.2% | $3,537-50.9% | $3,608-51.8% |
| Admin fee / account holder | $343 | $3,057-88.8% | $3,841-91.1% | $5,124-93.3% |