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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 | $25,704 | $54,541-52.9% | $78,778-67.4% | $70,126-63.3% |
| Participation rate | 50.5% | 60.8%-10.3pp | 69.2%-18.7pp | 69.5%-19.0pp |
| Annual return | 17.07% | 21.07%-4.0pp | 35.62%-18.5pp | 73.15%-56.1pp |
| Employer contribution / active EE | $47 | $1,089-95.7% | $1,986-97.6% | $2,343-98.0% |
| Participant deferral / active EE | $1,600 | $2,210-27.6% | $2,958-45.9% | $3,332-52.0% |
| Admin fee / account holder | $1,526 | $3,709-58.9% | $5,134-70.3% | $4,645-67.2% |