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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 | $68,586-62.9% | $120,380-78.9% | $80,911-68.6% |
| Participation rate | 40.6% | 61.6%-21.0pp | 71.9%-31.3pp | 67.6%-27.0pp |
| Annual return | 10.99% | 23.62%-12.6pp | 107.28%-96.3pp | 35.63%-24.6pp |
| Employer contribution / active EE | $318 | $2,053-84.5% | $3,465-90.8% | $2,756-88.5% |
| Participant deferral / active EE | $1,561 | $3,174-50.8% | $4,992-68.7% | $4,297-63.7% |
| Admin fee / account holder | $524 | $5,733-90.9% | $9,421-94.4% | $6,935-92.4% |