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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 | $19,977 | $73,955-73.0% | $96,520-79.3% | $75,181-73.4% |
| Participation rate | 50.7% | 66.4%-15.7pp | 74.3%-23.6pp | 67.2%-16.5pp |
| Annual return | 18.24% | 26.72%-8.5pp | 35.72%-17.5pp | 160.69%-142.4pp |
| Employer contribution / active EE | $240 | $2,930-91.8% | $3,739-93.6% | $2,671-91.0% |
| Participant deferral / active EE | $2,402 | $3,659-34.4% | $4,879-50.8% | $4,126-41.8% |
| Admin fee / account holder | $1,578 | $5,217-69.8% | $6,733-76.6% | $5,650-72.1% |