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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 | $38,699 | $44,398-12.8% | $103,693-62.7% | $65,191-40.6% |
| Participation rate | 24.2% | 54.3%-30.1pp | 72.6%-48.4pp | 63.0%-38.8pp |
| Annual return | 12.35% | 325.62%-313.3pp | 47.61%-35.3pp | 51.24%-38.9pp |
| Employer contribution / active EE | $0 | $1,702-100.0% | $2,920-100.0% | $2,400-100.0% |
| Participant deferral / active EE | $1,332 | $1,797-25.9% | $4,579-70.9% | $2,671-50.1% |
| Admin fee / account holder | $2,358 | $856+175.5% | $7,858-70.0% | $907+160.0% |