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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 | $23,861 | $54,541-56.3% | $78,778-69.7% | $70,126-66.0% |
| Participation rate | 43.9% | 60.8%-16.9pp | 69.2%-25.3pp | 69.5%-25.6pp |
| Annual return | 15.16% | 21.07%-5.9pp | 35.62%-20.5pp | 73.15%-58.0pp |
| Employer contribution / active EE | $0 | $1,089-100.0% | $1,986-100.0% | $2,343-100.0% |
| Participant deferral / active EE | $1,660 | $2,210-24.9% | $2,958-43.9% | $3,332-50.2% |
| Admin fee / account holder | $1,837 | $3,709-50.5% | $5,134-64.2% | $4,645-60.4% |