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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 | $8,718 | $57,119-84.7% | $85,187-89.8% | $80,935-89.2% |
| Participation rate | 24.2% | 56.4%-32.2pp | 67.5%-43.3pp | 67.7%-43.4pp |
| Annual return | 13.34% | 21.70%-8.4pp | 66.67%-53.3pp | 35.66%-22.3pp |
| Employer contribution / active EE | $100 | $1,802-94.4% | $2,732-96.3% | $2,757-96.4% |
| Participant deferral / active EE | $1,003 | $3,115-67.8% | $4,525-77.8% | $4,299-76.7% |
| Admin fee / account holder | $2,638 | $4,990-47.1% | $6,162-57.2% | $6,924-61.9% |