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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 | $15,139 | $34,316-55.9% | $74,722-79.7% | $72,975-79.3% |
| Participation rate | 51.0% | 42.4%+8.6pp | 54.5%-3.4pp | 69.5%-18.5pp |
| Annual return | 25.05% | 26.58%-1.5pp | 753.11%-728.1pp | 81.01%-56.0pp |
| Employer contribution / active EE | $0 | $692-100.0% | $1,084-100.0% | $2,440-100.0% |
| Participant deferral / active EE | $666 | $1,272-47.6% | $1,963-66.1% | $3,608-81.5% |
| Admin fee / account holder | $418 | $2,125-80.3% | $3,335-87.5% | $5,124-91.8% |