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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 | $33,261 | $42,546-21.8% | $71,796-53.7% | $55,167-39.7% |
| Participation rate | 35.3% | 59.1%-23.8pp | 69.1%-33.8pp | 69.0%-33.7pp |
| Annual return | 7.74% | 12.36%-4.6pp | 78.04%-70.3pp | 169.23%-161.5pp |
| Employer contribution / active EE | $0 | $803-100.0% | $1,924-100.0% | $1,963-100.0% |
| Participant deferral / active EE | $1,717 | $2,064-16.8% | $2,794-38.6% | $3,054-43.8% |
| Admin fee / account holder | $2,506 | $650+285.8% | $4,815-48.0% | $504+397.3% |