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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 | $21,648 | $65,395-66.9% | $182,558-88.1% | $72,976-70.3% |
| Participation rate | 38.9% | 65.4%-26.6pp | 78.0%-39.1pp | 69.5%-30.6pp |
| Annual return | 19.76% | 27.68%-7.9pp | 148.59%-128.8pp | 81.02%-61.3pp |
| Employer contribution / active EE | $313 | $1,911-83.6% | $4,076-92.3% | $2,440-87.2% |
| Participant deferral / active EE | $2,291 | $3,563-35.7% | $5,526-58.5% | $3,608-36.5% |
| Admin fee / account holder | $825 | $4,245-80.6% | $8,594-90.4% | $5,124-83.9% |