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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 | $41,972 | $49,025-14.4% | $87,502-52.0% | $62,881-33.3% |
| Participation rate | 52.9% | 64.9%-11.9pp | 73.8%-20.9pp | 69.3%-16.4pp |
| Annual return | 8.97% | 10.02%-1.1pp | 12.21%-3.2pp | 20.14%-11.2pp |
| Employer contribution / active EE | $232 | $1,372-83.1% | $2,550-90.9% | $2,281-89.8% |
| Participant deferral / active EE | $1,560 | $2,289-31.8% | $3,149-50.4% | $3,203-51.3% |
| Admin fee / account holder | $532 | $4,065-86.9% | $4,221-87.4% | $4,296-87.6% |