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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 | $55,889-65.5% | $76,119-74.7% | $80,935-76.2% |
| Participation rate | 48.3% | 62.1%-13.7pp | 69.1%-20.7pp | 67.7%-19.3pp |
| Annual return | 13.12% | 20.58%-7.5pp | 361.25%-348.1pp | 35.66%-22.5pp |
| Employer contribution / active EE | $202 | $1,866-89.2% | $2,693-92.5% | $2,757-92.7% |
| Participant deferral / active EE | $1,347 | $3,051-55.8% | $4,259-68.4% | $4,299-68.7% |
| Admin fee / account holder | $1,844 | $5,241-64.8% | $6,421-71.3% | $6,924-73.4% |