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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 | $51,841 | $85,766-39.6% | $136,297-62.0% | $70,124-26.1% |
| Participation rate | 56.8% | 74.2%-17.4pp | 81.9%-25.2pp | 69.5%-12.8pp |
| Annual return | 16.65% | 31.45%-14.8pp | 5156.19%-5139.5pp | 73.14%-56.5pp |
| Employer contribution / active EE | $0 | $2,966-100.0% | $4,696-100.0% | $2,342-100.0% |
| Participant deferral / active EE | $2,556 | $5,051-49.4% | $6,247-59.1% | $3,332-23.3% |
| Admin fee / account holder | $12,030 | $5,420+121.9% | $9,244+30.1% | $4,645+159.0% |