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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 | $54,314 | $76,696-29.2% | $96,538-43.7% | $71,529-24.1% |
| Participation rate | 50.0% | 66.6%-16.6pp | 74.3%-24.3pp | 67.9%-17.9pp |
| Annual return | 15.41% | 48.32%-32.9pp | 35.74%-20.3pp | 28.97%-13.6pp |
| Employer contribution / active EE | $191 | $3,032-93.7% | $3,740-94.9% | $2,590-92.6% |
| Participant deferral / active EE | $2,379 | $3,770-36.9% | $4,880-51.2% | $4,291-44.6% |
| Admin fee / account holder | $2,959 | $2,030+45.8% | $6,737-56.1% | $1,588+86.3% |