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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 | $47,890 | $45,343+5.6% | $150,298-68.1% | $67,986-29.6% |
| Participation rate | 7.7% | 51.9%-44.2pp | 77.8%-70.1pp | 57.2%-49.5pp |
| Annual return | 17.60% | 33.28%-15.7pp | 62.79%-45.2pp | 31.67%-14.1pp |
| Employer contribution / active EE | $17 | $1,462-98.9% | $4,154-99.6% | $2,019-99.2% |
| Participant deferral / active EE | $698 | $2,055-66.0% | $5,453-87.2% | $3,358-79.2% |
| Admin fee / account holder | $369 | $2,250-83.6% | $14,116-97.4% | $3,203-88.5% |