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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 | $102,371 | $56,197+82.2% | $67,652+51.3% | $59,633+71.7% |
| Participation rate | 56.9% | 71.5%-14.6pp | 75.7%-18.8pp | 68.7%-11.8pp |
| Annual return | 0.82% | 18508.10%-18507.3pp | 6625.40%-6624.6pp | 2041.45%-2040.6pp |
| Employer contribution / active EE | $0 | $1,615-100.0% | $2,266-100.0% | $2,203-100.0% |
| Participant deferral / active EE | $1,612 | $2,844-43.3% | $3,560-54.7% | $3,192-49.5% |
| Admin fee / account holder | $39,877 | $3,958+907.5% | $4,821+727.2% | $4,297+828.0% |