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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 | $20,727 | $65,367-68.3% | $92,915-77.7% | $72,976-71.6% |
| Participation rate | 46.9% | 68.3%-21.4pp | 76.0%-29.1pp | 69.5%-22.6pp |
| Annual return | 17.93% | 42.11%-24.2pp | 109.45%-91.5pp | 81.02%-63.1pp |
| Employer contribution / active EE | $450 | $2,594-82.6% | $3,653-87.7% | $2,440-81.5% |
| Participant deferral / active EE | $1,686 | $3,128-46.1% | $4,238-60.2% | $3,608-53.3% |
| Admin fee / account holder | $526 | $4,251-87.6% | $5,796-90.9% | $5,124-89.7% |