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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 | $22,042 | $54,690-59.7% | $76,030-71.0% | $74,478-70.4% |
| Participation rate | 45.0% | 60.3%-15.3pp | 69.1%-24.0pp | 67.2%-22.2pp |
| Annual return | 24.06% | 31.92%-7.9pp | 361.54%-337.5pp | 1370.56%-1346.5pp |
| Employer contribution / active EE | $0 | $1,781-100.0% | $2,688-100.0% | $2,626-100.0% |
| Participant deferral / active EE | $1,949 | $3,070-36.5% | $4,257-54.2% | $4,350-55.2% |
| Admin fee / account holder | $2,749 | $2,240+22.7% | $6,421-57.2% | $1,946+41.3% |