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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 | $50,129 | $81,331-38.4% | $155,534-67.8% | $80,935-38.1% |
| Participation rate | 20.7% | 66.3%-45.6pp | 78.2%-57.5pp | 67.7%-47.0pp |
| Annual return | 12.66% | 33.37%-20.7pp | 64.92%-52.3pp | 35.66%-23.0pp |
| Employer contribution / active EE | $215 | $3,105-93.1% | $4,675-95.4% | $2,757-92.2% |
| Participant deferral / active EE | $1,479 | $3,454-57.2% | $5,630-73.7% | $4,299-65.6% |
| Admin fee / account holder | $901,559 | $7,999+11170.7% | $15,900+5570.3% | $6,924+12920.1% |