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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 | $31,454 | $52,911-40.6% | $73,309-57.1% | $59,633-47.3% |
| Participation rate | 35.9% | 68.2%-32.3pp | 74.9%-39.0pp | 68.7%-32.8pp |
| Annual return | 43.13% | 12.20%+30.9pp | 5.67%+37.5pp | 2041.40%-1998.3pp |
| Employer contribution / active EE | $0 | $1,909-100.0% | $3,237-100.0% | $2,203-100.0% |
| Participant deferral / active EE | $4,866 | $4,069+19.6% | $4,991-2.5% | $3,192+52.5% |
| Admin fee / account holder | $2,771 | $3,835-27.7% | $5,635-50.8% | $4,297-35.5% |