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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 | $36,847 | $68,573-46.3% | $120,368-69.4% | $80,874-54.4% |
| Participation rate | 29.6% | 61.6%-32.0pp | 71.9%-42.3pp | 67.6%-38.0pp |
| Annual return | 11.13% | 23.61%-12.5pp | 107.26%-96.1pp | 35.62%-24.5pp |
| Employer contribution / active EE | $113 | $2,052-94.5% | $3,465-96.7% | $2,756-95.9% |
| Participant deferral / active EE | $3,161 | $3,174-0.4% | $4,991-36.7% | $4,297-26.4% |
| Admin fee / account holder | $6,875 | $5,734+19.9% | $9,429-27.1% | $6,935-0.9% |