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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 | $32,024 | $89,364-64.2% | $141,177-77.3% | $72,983-56.1% |
| Participation rate | 36.2% | 75.1%-38.9pp | 82.5%-46.2pp | 69.5%-33.3pp |
| Annual return | 21.87% | 111.86%-90.0pp | 71.40%-49.5pp | 81.01%-59.1pp |
| Employer contribution / active EE | $0 | $3,115-100.0% | $4,736-100.0% | $2,440-100.0% |
| Participant deferral / active EE | $2,397 | $5,419-55.8% | $6,710-64.3% | $3,608-33.6% |
| Admin fee / account holder | $1,710 | $5,959-71.3% | $10,263-83.3% | $5,124-66.6% |