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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 | $69,922 | $177,595-60.6% | $148,496-52.9% | $198,609-64.8% |
| Participation rate | 50.0% | 79.3%-29.3pp | 76.0%-26.0pp | 82.4%-32.4pp |
| Annual return | 6.21% | 9.97%-3.8pp | 12.33%-6.1pp | 202.70%-196.5pp |
| Employer contribution / active EE | $12 | $4,098-99.7% | $3,497-99.7% | $5,055-99.8% |
| Participant deferral / active EE | $2,275 | $5,539-58.9% | $4,808-52.7% | $6,977-67.4% |
| Admin fee / account holder | $23,405 | $27,010-13.3% | $19,547+19.7% | $19,030+23.0% |