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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 | $32,003 | $86,701-63.1% | $73,309-56.3% | $125,389-74.5% |
| Participation rate | 50.0% | 78.6%-28.6pp | 74.9%-24.9pp | 83.2%-33.2pp |
| Annual return | 1.67% | 2.78%-1.1pp | 5.67%-4.0pp | 282.24%-280.6pp |
| Employer contribution / active EE | $273 | $4,152-93.4% | $3,237-91.6% | $4,866-94.4% |
| Participant deferral / active EE | $1,949 | $5,549-64.9% | $4,991-60.9% | $5,352-63.6% |
| Admin fee / account holder | $3,755 | $7,768-51.7% | $5,635-33.4% | $9,541-60.6% |