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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 | $12,637 | $57,590-78.1% | $86,233-85.3% | $82,448-84.7% |
| Participation rate | 28.6% | 57.9%-29.3pp | 69.0%-40.4pp | 68.1%-39.5pp |
| Annual return | 18.72% | 22.41%-3.7pp | 61.39%-42.7pp | 41.64%-22.9pp |
| Employer contribution / active EE | $0 | $1,655-100.0% | $2,504-100.0% | $2,551-100.0% |
| Participant deferral / active EE | $1,926 | $3,080-37.5% | $4,559-57.8% | $4,139-53.5% |
| Admin fee / account holder | $1,043 | $4,730-78.0% | $8,342-87.5% | $7,234-85.6% |