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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 | $25,443 | $68,880-63.1% | $120,580-78.9% | $80,959-68.6% |
| Participation rate | 40.6% | 61.7%-21.1pp | 72.0%-31.3pp | 67.7%-27.0pp |
| Annual return | 10.99% | 23.68%-12.7pp | 107.48%-96.5pp | 35.67%-24.7pp |
| Employer contribution / active EE | $318 | $2,066-84.6% | $3,469-90.8% | $2,757-88.5% |
| Participant deferral / active EE | $1,561 | $3,191-51.1% | $4,995-68.8% | $4,300-63.7% |
| Admin fee / account holder | $524 | $5,785-90.9% | $9,418-94.4% | $6,925-92.4% |