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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 | $47,521 | $29,319+62.1% | $52,425-9.4% | $82,448-42.4% |
| Participation rate | 34.8% | 46.9%-12.1pp | 55.6%-20.8pp | 68.1%-33.3pp |
| Annual return | 15.04% | 535.20%-520.2pp | 302.12%-287.1pp | 41.64%-26.6pp |
| Employer contribution / active EE | $0 | $586-100.0% | $914-100.0% | $2,551-100.0% |
| Participant deferral / active EE | $1,089 | $1,171-7.0% | $1,790-39.2% | $4,139-73.7% |
| Admin fee / account holder | $4,901 | $1,962+149.8% | $2,495+96.4% | $7,234-32.3% |