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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 | $20,970 | $61,605-66.0% | $112,273-81.3% | $75,173-72.1% |
| Participation rate | 41.9% | 61.7%-19.7pp | 72.4%-30.5pp | 67.2%-25.3pp |
| Annual return | 14.12% | 28.47%-14.4pp | 30.23%-16.1pp | 160.72%-146.6pp |
| Employer contribution / active EE | $316 | $2,015-84.3% | $3,431-90.8% | $2,671-88.2% |
| Participant deferral / active EE | $1,710 | $3,108-45.0% | $4,800-64.4% | $4,126-58.5% |
| Admin fee / account holder | $681 | $4,862-86.0% | $7,752-91.2% | $5,651-87.9% |