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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 | $35,472 | $54,763-35.2% | $90,324-60.7% | $72,976-51.4% |
| Participation rate | 26.3% | 65.2%-38.8pp | 73.3%-47.0pp | 69.5%-43.2pp |
| Annual return | 25.75% | 30.63%-4.9pp | 78.15%-52.4pp | 81.02%-55.3pp |
| Employer contribution / active EE | $0 | $2,093-100.0% | $2,856-100.0% | $2,440-100.0% |
| Participant deferral / active EE | $1,843 | $2,887-36.2% | $3,885-52.6% | $3,608-48.9% |
| Admin fee / account holder | $651 | $3,973-83.6% | $5,356-87.9% | $5,124-87.3% |