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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 | $29,803 | $52,967-43.7% | $172,753-82.7% | $65,186-54.3% |
| Participation rate | 54.4% | 66.2%-11.8pp | 82.6%-28.2pp | 70.2%-15.8pp |
| Annual return | 22.24% | 30.12%-7.9pp | 803.00%-780.8pp | 29.39%-7.1pp |
| Employer contribution / active EE | $0 | $2,190-100.0% | $5,144-100.0% | $2,177-100.0% |
| Participant deferral / active EE | $2,481 | $2,471+0.4% | $5,198-52.3% | $3,514-29.4% |
| Admin fee / account holder | $1,063 | $472+125.2% | $13,956-92.4% | $847+25.5% |