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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 | $30,929 | $62,166-50.2% | $81,286-62.0% | $74,429-58.4% |
| Participation rate | 24.2% | 64.1%-39.9pp | 69.5%-45.4pp | 67.2%-43.1pp |
| Annual return | 16.57% | 16.50%+0.1pp | 24.80%-8.2pp | 1368.38%-1351.8pp |
| Employer contribution / active EE | $148 | $1,881-92.1% | $2,463-94.0% | $2,625-94.3% |
| Participant deferral / active EE | $1,612 | $3,223-50.0% | $3,883-58.5% | $4,348-62.9% |
| Admin fee / account holder | $2,022 | $1,925+5.1% | $5,764-64.9% | $1,944+4.0% |