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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 | $33,473 | $27,943+19.8% | $58,507-42.8% | $75,177-55.5% |
| Participation rate | 33.9% | 38.8%-4.9pp | 50.9%-16.9pp | 67.2%-33.3pp |
| Annual return | 18.94% | 44.22%-25.3pp | 4252.32%-4233.4pp | 160.75%-141.8pp |
| Employer contribution / active EE | $0 | $670-100.0% | $1,053-100.0% | $2,671-100.0% |
| Participant deferral / active EE | $1,540 | $1,202+28.1% | $1,922-19.9% | $4,126-62.7% |
| Admin fee / account holder | $666 | $1,727-61.5% | $2,486-73.2% | $5,651-88.2% |