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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 | $31,005 | $45,312-31.6% | $86,233-64.0% | $67,986-54.4% |
| Participation rate | 16.5% | 42.4%-25.9pp | 69.0%-52.5pp | 57.2%-40.7pp |
| Annual return | 14.36% | 24.79%-10.4pp | 61.39%-47.0pp | 31.67%-17.3pp |
| Employer contribution / active EE | $0 | $1,160-100.0% | $2,504-100.0% | $2,019-100.0% |
| Participant deferral / active EE | $1,628 | $2,185-25.5% | $4,559-64.3% | $3,358-51.5% |
| Admin fee / account holder | $5,474 | $3,295+66.1% | $8,342-34.4% | $3,203+70.9% |