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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 | $41,305 | $57,061-27.6% | $85,063-51.4% | $80,911-48.9% |
| Participation rate | 50.7% | 56.3%-5.6pp | 67.5%-16.8pp | 67.6%-16.9pp |
| Annual return | 12.49% | 21.66%-9.2pp | 66.54%-54.0pp | 35.63%-23.1pp |
| Employer contribution / active EE | $0 | $1,799-100.0% | $2,727-100.0% | $2,756-100.0% |
| Participant deferral / active EE | $2,912 | $3,110-6.4% | $4,523-35.6% | $4,297-32.2% |
| Admin fee / account holder | $14,720 | $4,986+195.2% | $6,155+139.1% | $6,935+112.3% |