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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 | $29,176 | $65,364-55.4% | $92,909-68.6% | $72,975-60.0% |
| Participation rate | 57.6% | 68.3%-10.7pp | 76.0%-18.4pp | 69.5%-11.9pp |
| Annual return | 18.14% | 42.11%-24.0pp | 109.44%-91.3pp | 81.01%-62.9pp |
| Employer contribution / active EE | $429 | $2,594-83.5% | $3,653-88.3% | $2,440-82.4% |
| Participant deferral / active EE | $2,468 | $3,128-21.1% | $4,238-41.8% | $3,608-31.6% |
| Admin fee / account holder | $1,554 | $4,251-63.4% | $5,795-73.2% | $5,124-69.7% |