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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 | $68,852-46.5% | $120,524-69.4% | $80,925-54.5% |
| Participation rate | 29.6% | 61.6%-32.0pp | 71.9%-42.3pp | 67.7%-38.0pp |
| Annual return | 11.13% | 23.67%-12.5pp | 107.36%-96.2pp | 35.65%-24.5pp |
| Employer contribution / active EE | $113 | $2,063-94.5% | $3,469-96.7% | $2,756-95.9% |
| Participant deferral / active EE | $3,161 | $3,187-0.8% | $4,994-36.7% | $4,299-26.5% |
| Admin fee / account holder | $6,875 | $5,781+18.9% | $9,440-27.2% | $6,940-0.9% |