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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 | $34,904 | $77,962-55.2% | $178,540-80.5% | $80,935-56.9% |
| Participation rate | 55.1% | 65.7%-10.6pp | 77.1%-22.1pp | 67.7%-12.6pp |
| Annual return | 14.58% | 18.10%-3.5pp | 27.15%-12.6pp | 35.66%-21.1pp |
| Employer contribution / active EE | $81 | $2,280-96.4% | $3,953-98.0% | $2,757-97.1% |
| Participant deferral / active EE | $1,745 | $4,404-60.4% | $6,281-72.2% | $4,299-59.4% |
| Admin fee / account holder | $2,172 | $7,156-69.6% | $10,424-79.2% | $6,924-68.6% |