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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 | $53,781 | $85,171-36.9% | $172,752-68.9% | $72,975-26.3% |
| Participation rate | 28.1% | 70.1%-41.9pp | 82.6%-54.5pp | 69.5%-41.4pp |
| Annual return | 27.73% | 27.32%+0.4pp | 802.97%-775.2pp | 81.01%-53.3pp |
| Employer contribution / active EE | $0 | $3,324-100.0% | $5,144-100.0% | $2,440-100.0% |
| Participant deferral / active EE | $1,993 | $3,260-38.9% | $5,198-61.7% | $3,608-44.8% |
| Admin fee / account holder | $548 | $5,880-90.7% | $13,955-96.1% | $5,124-89.3% |