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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 | $38,381 | $72,071-46.7% | $68,368-43.9% | $137,256-72.0% |
| Participation rate | 50.0% | 76.2%-26.2pp | 73.8%-23.8pp | 80.0%-30.0pp |
| Annual return | 13.41% | 353.14%-339.7pp | 292.57%-279.2pp | 220.34%-206.9pp |
| Employer contribution / active EE | $29 | $2,788-99.0% | $2,649-98.9% | $4,156-99.3% |
| Participant deferral / active EE | $1,021 | $4,410-76.8% | $4,123-75.2% | $6,407-84.1% |
| Admin fee / account holder | $2,276 | $5,336-57.3% | $5,150-55.8% | $12,270-81.4% |