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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 | $27,393 | $62,592-56.2% | $85,709-68.0% | $85,847-68.1% |
| Participation rate | 60.5% | 61.1%-0.7pp | 69.9%-9.4pp | 69.3%-8.9pp |
| Annual return | 12.40% | 23.77%-11.4pp | 21.49%-9.1pp | 318.61%-306.2pp |
| Employer contribution / active EE | $0 | $1,755-100.0% | $2,619-100.0% | $2,565-100.0% |
| Participant deferral / active EE | $1,405 | $2,802-49.9% | $3,924-64.2% | $3,952-64.4% |
| Admin fee / account holder | $699 | $4,643-84.9% | $6,876-89.8% | $6,261-88.8% |