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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 | $35,263 | $54,320-35.1% | $67,652-47.9% | $52,331-32.6% |
| Participation rate | 49.0% | 73.6%-24.6pp | 75.7%-26.6pp | 68.1%-19.1pp |
| Annual return | -1.00% | 6.81%-7.8pp | 6625.40%-6626.4pp | 4.54%-5.5pp |
| Employer contribution / active EE | $0 | $1,544-100.0% | $2,266-100.0% | $1,882-100.0% |
| Participant deferral / active EE | $2,487 | $2,950-15.7% | $3,560-30.1% | $3,022-17.7% |
| Admin fee / account holder | $532 | $527+1.1% | $4,821-89.0% | $592-10.0% |