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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 | $10,030 | $87,166-88.5% | $76,735-86.9% | $137,256-92.7% |
| Participation rate | 40.0% | 74.4%-34.4pp | 69.5%-29.5pp | 80.0%-40.0pp |
| Annual return | 18.71% | 26.50%-7.8pp | 29.77%-11.1pp | 220.34%-201.6pp |
| Employer contribution / active EE | $0 | $2,904-100.0% | $2,454-100.0% | $4,156-100.0% |
| Participant deferral / active EE | $1,103 | $4,726-76.7% | $4,088-73.0% | $6,407-82.8% |
| Admin fee / account holder | $2,539 | $8,403-69.8% | $7,189-64.7% | $12,270-79.3% |