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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 | $16,218 | $49,255-67.1% | $70,494-77.0% | $79,856-79.7% |
| Participation rate | 67.9% | 69.2%-1.3pp | 75.1%-7.2pp | 69.6%-1.8pp |
| Annual return | 8.80% | 30.10%-21.3pp | 109.16%-100.4pp | 31.71%-22.9pp |
| Employer contribution / active EE | $171 | $2,100-91.9% | $2,738-93.7% | $2,471-93.1% |
| Participant deferral / active EE | $1,451 | $2,768-47.6% | $3,711-60.9% | $3,741-61.2% |
| Admin fee / account holder | $474 | $2,879-83.5% | $3,848-87.7% | $5,306-91.1% |