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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 | $42,771 | $49,891-14.3% | $80,607-46.9% | $75,181-43.1% |
| Participation rate | 32.1% | 55.3%-23.3pp | 67.0%-35.0pp | 67.2%-35.1pp |
| Annual return | 19.54% | 34.67%-15.1pp | 936.11%-916.6pp | 160.69%-141.1pp |
| Employer contribution / active EE | $0 | $1,698-100.0% | $2,724-100.0% | $2,671-100.0% |
| Participant deferral / active EE | $1,489 | $2,991-50.2% | $4,448-66.5% | $4,126-63.9% |
| Admin fee / account holder | $6,446 | $3,578+80.2% | $5,379+19.8% | $5,650+14.1% |