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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 | $53,367 | $48,050+11.1% | $85,969-37.9% | $59,633-10.5% |
| Participation rate | 42.9% | 64.5%-21.6pp | 76.5%-33.7pp | 68.7%-25.8pp |
| Annual return | -0.32% | 0.29%-0.6pp | 9.32%-9.6pp | 2041.45%-2041.8pp |
| Employer contribution / active EE | $229 | $1,640-86.0% | $3,474-93.4% | $2,203-89.6% |
| Participant deferral / active EE | $1,613 | $2,249-28.3% | $3,829-57.9% | $3,192-49.5% |
| Admin fee / account holder | $2,229 | $3,206-30.5% | $6,053-63.2% | $4,297-48.1% |