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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 | $39,392 | $65,704-40.0% | $94,229-58.2% | $59,633-33.9% |
| Participation rate | 53.1% | 72.1%-19.0pp | 78.8%-25.6pp | 68.7%-15.5pp |
| Annual return | 0.16% | 5.22%-5.1pp | 10.68%-10.5pp | 2041.45%-2041.3pp |
| Employer contribution / active EE | $234 | $2,021-88.4% | $3,587-93.5% | $2,203-89.4% |
| Participant deferral / active EE | $1,545 | $3,143-50.8% | $4,320-64.2% | $3,192-51.6% |
| Admin fee / account holder | $9,097 | $4,265+113.3% | $6,269+45.1% | $4,297+111.7% |