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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 | $33,315 | $71,197-53.2% | $93,669-64.4% | $80,925-58.8% |
| Participation rate | 21.5% | 60.4%-38.9pp | 68.7%-47.2pp | 67.7%-46.1pp |
| Annual return | 13.79% | 11.27%+2.5pp | 133.59%-119.8pp | 35.65%-21.9pp |
| Employer contribution / active EE | $171 | $1,565-89.1% | $2,424-93.0% | $2,756-93.8% |
| Participant deferral / active EE | $1,698 | $4,036-57.9% | $4,416-61.6% | $4,299-60.5% |
| Admin fee / account holder | $2,473 | $6,959-64.5% | $8,291-70.2% | $6,940-64.4% |