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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 | $48,284+11.6% | $67,524-20.2% | $80,911-33.4% |
| Participation rate | 5.1% | 66.4%-61.3pp | 72.9%-67.8pp | 67.6%-62.5pp |
| Annual return | 18.65% | 18.27%+0.4pp | 3519.41%-3500.8pp | 35.63%-17.0pp |
| Employer contribution / active EE | $0 | $2,021-100.0% | $2,734-100.0% | $2,756-100.0% |
| Participant deferral / active EE | $1,038 | $2,927-64.5% | $4,001-74.1% | $4,297-75.8% |
| Admin fee / account holder | $550 | $3,688-85.1% | $4,001-86.3% | $6,935-92.1% |