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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 | $24,068 | $63,773-62.3% | $81,286-70.4% | $80,925-70.3% |
| Participation rate | 40.0% | 63.9%-23.9pp | 69.5%-29.5pp | 67.7%-27.7pp |
| Annual return | 14.05% | 16.37%-2.3pp | 24.80%-10.7pp | 35.65%-21.6pp |
| Employer contribution / active EE | $0 | $1,979-100.0% | $2,463-100.0% | $2,756-100.0% |
| Participant deferral / active EE | $1,046 | $3,093-66.2% | $3,883-73.1% | $4,299-75.7% |
| Admin fee / account holder | $1,877 | $5,682-67.0% | $5,764-67.4% | $6,940-73.0% |