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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 | $21,351 | $84,236-74.7% | $170,435-87.5% | $70,126-69.6% |
| Participation rate | 26.3% | 70.8%-44.5pp | 83.6%-57.3pp | 69.5%-43.2pp |
| Annual return | 18.65% | 23.06%-4.4pp | 205.94%-187.3pp | 73.15%-54.5pp |
| Employer contribution / active EE | $49 | $3,387-98.6% | $5,432-99.1% | $2,343-97.9% |
| Participant deferral / active EE | $1,056 | $3,086-65.8% | $4,939-78.6% | $3,332-68.3% |
| Admin fee / account holder | $560 | $5,698-90.2% | $13,881-96.0% | $4,645-88.0% |