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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 | $34,482 | $83,898-58.9% | $133,346-74.1% | $94,015-63.3% |
| Participation rate | 25.8% | 63.4%-37.5pp | 72.8%-47.0pp | 70.8%-45.0pp |
| Annual return | 16.29% | 16.00%+0.3pp | 36.85%-20.6pp | 17.84%-1.6pp |
| Employer contribution / active EE | $0 | $1,821-100.0% | $2,853-100.0% | $2,790-100.0% |
| Participant deferral / active EE | $1,644 | $3,245-49.3% | $4,332-62.1% | $4,249-61.3% |
| Admin fee / account holder | $1,544 | $7,809-80.2% | $14,264-89.2% | $8,951-82.8% |