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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 | $20,280 | $52,911-61.7% | $73,309-72.3% | $59,633-66.0% |
| Participation rate | 57.0% | 68.2%-11.3pp | 74.9%-17.9pp | 68.7%-11.7pp |
| Annual return | 2.10% | 12.20%-10.1pp | 5.67%-3.6pp | 2041.45%-2039.3pp |
| Employer contribution / active EE | $0 | $1,909-100.0% | $3,237-100.0% | $2,203-100.0% |
| Participant deferral / active EE | $3,611 | $4,069-11.3% | $4,991-27.6% | $3,192+13.1% |
| Admin fee / account holder | $3,891 | $3,835+1.5% | $5,635-30.9% | $4,297-9.4% |