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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 | $76,834-55.1% | $108,359-68.2% | $87,485-60.6% |
| Participation rate | 25.8% | 61.7%-35.9pp | 70.1%-44.3pp | 68.9%-43.1pp |
| Annual return | 16.29% | 19.09%-2.8pp | 36.89%-20.6pp | 26.06%-9.8pp |
| Employer contribution / active EE | $0 | $1,556-100.0% | $2,399-100.0% | $2,596-100.0% |
| Participant deferral / active EE | $1,644 | $3,100-47.0% | $4,137-60.3% | $4,274-61.5% |
| Admin fee / account holder | $1,544 | $6,537-76.4% | $9,741-84.2% | $7,775-80.1% |