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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 | $35,170 | $41,824-15.9% | $136,833-74.3% | $69,733-49.6% |
| Participation rate | 18.0% | 29.3%-11.3pp | 59.0%-41.0pp | 62.5%-44.5pp |
| Annual return | 15.01% | 13.53%+1.5pp | 35.32%-20.3pp | 15.22%-0.2pp |
| Employer contribution / active EE | $0 | $494-100.0% | $1,319-100.0% | $2,250-100.0% |
| Participant deferral / active EE | $788 | $1,105-28.7% | $2,441-67.7% | $3,054-74.2% |
| Admin fee / account holder | $5,059 | $2,895+74.7% | $4,706+7.5% | $3,102+63.1% |