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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 | $21,252 | $72,269-70.6% | $101,271-79.0% | $79,852-73.4% |
| Participation rate | 51.2% | 68.5%-17.2pp | 75.8%-24.6pp | 69.6%-18.4pp |
| Annual return | 38.98% | 22.29%+16.7pp | 46.48%-7.5pp | 31.72%+7.3pp |
| Employer contribution / active EE | $238 | $2,692-91.2% | $3,660-93.5% | $2,471-90.4% |
| Participant deferral / active EE | $1,629 | $3,282-50.3% | $4,371-62.7% | $3,740-56.4% |
| Admin fee / account holder | $490 | $4,401-88.9% | $5,948-91.8% | $5,306-90.8% |