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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 | $22,341 | $54,763-59.2% | $90,324-75.3% | $72,976-69.4% |
| Participation rate | 28.9% | 65.2%-36.2pp | 73.3%-44.3pp | 69.5%-40.5pp |
| Annual return | 20.11% | 30.63%-10.5pp | 78.15%-58.0pp | 81.02%-60.9pp |
| Employer contribution / active EE | $190 | $2,093-90.9% | $2,856-93.3% | $2,440-92.2% |
| Participant deferral / active EE | $968 | $2,887-66.5% | $3,885-75.1% | $3,608-73.2% |
| Admin fee / account holder | $10,694 | $3,973+169.1% | $5,356+99.7% | $5,124+108.7% |