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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 | $19,272 | $55,902-65.5% | $76,030-74.7% | $80,959-76.2% |
| Participation rate | 48.3% | 62.1%-13.7pp | 69.1%-20.7pp | 67.7%-19.3pp |
| Annual return | 13.12% | 20.59%-7.5pp | 361.54%-348.4pp | 35.67%-22.5pp |
| Employer contribution / active EE | $202 | $1,867-89.2% | $2,688-92.5% | $2,757-92.7% |
| Participant deferral / active EE | $1,347 | $3,051-55.8% | $4,257-68.4% | $4,300-68.7% |
| Admin fee / account holder | $1,844 | $5,239-64.8% | $6,421-71.3% | $6,925-73.4% |