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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 | $39,766-2.7% | $66,674-42.0% | $71,012-45.5% |
| Participation rate | 24.2% | 47.7%-23.5pp | 73.7%-49.5pp | 58.6%-34.3pp |
| Annual return | 12.35% | 181.39%-169.0pp | 321.24%-308.9pp | 37.67%-25.3pp |
| Employer contribution / active EE | $0 | $1,503-100.0% | $2,620-100.0% | $2,348-100.0% |
| Participant deferral / active EE | $1,332 | $1,868-28.7% | $4,084-67.4% | $3,246-59.0% |
| Admin fee / account holder | $2,358 | $1,097+115.1% | $5,098-53.7% | $1,167+102.1% |