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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 | $13,026 | $43,344-69.9% | $59,899-78.3% | $64,173-79.7% |
| Participation rate | 23.4% | 69.2%-45.7pp | 74.7%-51.3pp | 69.6%-46.1pp |
| Annual return | 10.61% | -1.55%+12.2pp | 3.46%+7.1pp | 7.63%+3.0pp |
| Employer contribution / active EE | $268 | $2,030-86.8% | $2,723-90.2% | $2,381-88.8% |
| Participant deferral / active EE | $1,621 | $2,547-36.4% | $3,402-52.4% | $3,470-53.3% |
| Admin fee / account holder | $2,715 | $3,008-9.7% | $3,592-24.4% | $4,887-44.4% |