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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 | $52,250 | $45,152+15.7% | $73,835-29.2% | $59,633-12.4% |
| Participation rate | 54.1% | 64.0%-10.0pp | 73.4%-19.4pp | 68.7%-14.6pp |
| Annual return | 2.34% | 27.40%-25.1pp | 2268.13%-2265.8pp | 2041.40%-2039.1pp |
| Employer contribution / active EE | $0 | $1,901-100.0% | $2,788-100.0% | $2,203-100.0% |
| Participant deferral / active EE | $3,611 | $2,573+40.3% | $3,583+0.8% | $3,192+13.1% |
| Admin fee / account holder | $8,569 | $3,515+143.8% | $4,880+75.6% | $4,297+99.4% |