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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 | $24,408 | $53,837-54.7% | $75,714-67.8% | $85,847-71.6% |
| Participation rate | 47.4% | 69.1%-21.7pp | 74.8%-27.5pp | 69.3%-22.0pp |
| Annual return | 21.12% | 24.54%-3.4pp | 104.62%-83.5pp | 318.61%-297.5pp |
| Employer contribution / active EE | $237 | $2,017-88.3% | $2,744-91.4% | $2,565-90.8% |
| Participant deferral / active EE | $1,358 | $2,895-53.1% | $3,820-64.4% | $3,952-65.6% |
| Admin fee / account holder | $2,293 | $3,339-31.3% | $3,619-36.6% | $6,261-63.4% |