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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 | $43,755 | $76,834-43.1% | $108,359-59.6% | $87,485-50.0% |
| Participation rate | 63.3% | 61.7%+1.6pp | 70.1%-6.8pp | 68.9%-5.6pp |
| Annual return | 17.00% | 19.09%-2.1pp | 36.89%-19.9pp | 26.06%-9.1pp |
| Employer contribution / active EE | $253 | $1,556-83.7% | $2,399-89.4% | $2,596-90.2% |
| Participant deferral / active EE | $2,644 | $3,100-14.7% | $4,137-36.1% | $4,274-38.1% |
| Admin fee / account holder | $1,057 | $6,537-83.8% | $9,741-89.2% | $7,775-86.4% |