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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 | $35,642 | $72,486-50.8% | $87,103-59.1% | $72,976-51.2% |
| Participation rate | 60.7% | 72.8%-12.1pp | 76.9%-16.2pp | 69.5%-8.8pp |
| Annual return | 17.31% | 24.46%-7.1pp | 28.19%-10.9pp | 81.02%-63.7pp |
| Employer contribution / active EE | $213 | $1,894-88.8% | $2,521-91.6% | $2,440-91.3% |
| Participant deferral / active EE | $1,558 | $3,270-52.3% | $4,049-61.5% | $3,608-56.8% |
| Admin fee / account holder | $12,617 | $5,055+149.6% | $7,491+68.4% | $5,124+146.2% |