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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 | $53,891 | $48,314+11.5% | $67,561-20.2% | $80,925-33.4% |
| Participation rate | 5.1% | 66.4%-61.3pp | 72.9%-67.8pp | 67.7%-62.5pp |
| Annual return | 18.65% | 18.28%+0.4pp | 3525.44%-3506.8pp | 35.65%-17.0pp |
| Employer contribution / active EE | $0 | $2,022-100.0% | $2,735-100.0% | $2,756-100.0% |
| Participant deferral / active EE | $1,038 | $2,927-64.5% | $4,003-74.1% | $4,299-75.8% |
| Admin fee / account holder | $550 | $3,690-85.1% | $4,006-86.3% | $6,940-92.1% |