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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 | $24,347 | $75,962-67.9% | $154,111-84.2% | $64,173-62.1% |
| Participation rate | 23.1% | 70.4%-47.3pp | 83.0%-60.0pp | 69.6%-46.5pp |
| Annual return | 8.06% | 30.32%-22.3pp | 735.18%-727.1pp | 7.63%+0.4pp |
| Employer contribution / active EE | $140 | $3,350-95.8% | $5,298-97.4% | $2,381-94.1% |
| Participant deferral / active EE | $1,200 | $3,175-62.2% | $5,081-76.4% | $3,470-65.4% |
| Admin fee / account holder | $1,493 | $5,589-73.3% | $13,411-88.9% | $4,887-69.5% |