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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 | $42,916 | $56,894-24.6% | $84,753-49.4% | $62,881-31.8% |
| Participation rate | 48.5% | 68.5%-20.1pp | 76.6%-28.1pp | 69.3%-20.8pp |
| Annual return | 5.61% | 6.30%-0.7pp | 22.78%-17.2pp | 20.14%-14.5pp |
| Employer contribution / active EE | $377 | $2,400-84.3% | $3,574-89.4% | $2,281-83.5% |
| Participant deferral / active EE | $1,894 | $2,709-30.1% | $3,712-49.0% | $3,203-40.9% |
| Admin fee / account holder | $636 | $3,581-82.2% | $5,333-88.1% | $4,296-85.2% |