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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 | $54,674-59.7% | $76,089-71.0% | $74,429-70.4% |
| Participation rate | 45.0% | 60.3%-15.3pp | 69.1%-24.0pp | 67.2%-22.2pp |
| Annual return | 24.06% | 31.89%-7.8pp | 360.94%-336.9pp | 1368.38%-1344.3pp |
| Employer contribution / active EE | $0 | $1,781-100.0% | $2,690-100.0% | $2,625-100.0% |
| Participant deferral / active EE | $1,949 | $3,071-36.5% | $4,259-54.2% | $4,348-55.2% |
| Admin fee / account holder | $2,749 | $2,238+22.8% | $6,418-57.2% | $1,944+41.4% |