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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 | $57,000 | $65,246-12.6% | $98,716-42.3% | $67,986-16.2% |
| Participation rate | 28.4% | 51.4%-23.0pp | 69.3%-40.8pp | 57.2%-28.8pp |
| Annual return | 15.55% | 20.58%-5.0pp | 31.81%-16.3pp | 31.67%-16.1pp |
| Employer contribution / active EE | $161 | $1,042-84.6% | $2,279-92.9% | $2,019-92.0% |
| Participant deferral / active EE | $1,609 | $2,594-38.0% | $4,048-60.2% | $3,358-52.1% |
| Admin fee / account holder | $3,414 | $4,561-25.1% | $8,703-60.8% | $3,203+6.6% |