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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 | $36,574 | $63,346-42.3% | $92,240-60.3% | $70,126-47.8% |
| Participation rate | 57.6% | 68.7%-11.1pp | 76.5%-18.9pp | 69.5%-12.0pp |
| Annual return | 15.39% | 530.19%-514.8pp | 176.29%-160.9pp | 73.15%-57.8pp |
| Employer contribution / active EE | $0 | $2,471-100.0% | $3,680-100.0% | $2,343-100.0% |
| Participant deferral / active EE | $3,049 | $2,854+6.8% | $3,897-21.8% | $3,332-8.5% |
| Admin fee / account holder | $2,357 | $3,841-38.6% | $5,194-54.6% | $4,645-49.3% |