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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 | $25,286 | $77,901-67.5% | $149,717-83.1% | $75,181-66.4% |
| Participation rate | 53.3% | 65.6%-12.2pp | 78.8%-25.4pp | 67.2%-13.9pp |
| Annual return | 23.46% | 31.73%-8.3pp | 134.41%-110.9pp | 160.69%-137.2pp |
| Employer contribution / active EE | $0 | $3,137-100.0% | $4,820-100.0% | $2,671-100.0% |
| Participant deferral / active EE | $2,100 | $3,411-38.4% | $5,682-63.0% | $4,126-49.1% |
| Admin fee / account holder | $1,663 | $5,949-72.0% | $13,213-87.4% | $5,650-70.6% |