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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 | $19,295 | $55,902-65.5% | $76,030-74.6% | $80,959-76.2% |
| Participation rate | 46.5% | 62.1%-15.6pp | 69.1%-22.5pp | 67.7%-21.2pp |
| Annual return | 12.34% | 20.59%-8.3pp | 361.54%-349.2pp | 35.67%-23.3pp |
| Employer contribution / active EE | $0 | $1,867-100.0% | $2,688-100.0% | $2,757-100.0% |
| Participant deferral / active EE | $1,419 | $3,051-53.5% | $4,257-66.7% | $4,300-67.0% |
| Admin fee / account holder | $609 | $5,239-88.4% | $6,421-90.5% | $6,925-91.2% |