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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 | $19,626 | $48,053-59.2% | $84,623-76.8% | $72,983-73.1% |
| Participation rate | 28.0% | 57.6%-29.6pp | 68.2%-40.2pp | 69.5%-41.5pp |
| Annual return | 18.01% | 37.39%-19.4pp | 258.77%-240.8pp | 81.01%-63.0pp |
| Employer contribution / active EE | $0 | $1,602-100.0% | $2,652-100.0% | $2,440-100.0% |
| Participant deferral / active EE | $2,844 | $2,681+6.1% | $3,899-27.1% | $3,608-21.2% |
| Admin fee / account holder | $10,819 | $3,395+218.6% | $4,913+120.2% | $5,124+111.1% |