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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 | $29,051+21.1% | $52,425-32.9% | $67,986-48.3% |
| Participation rate | 18.0% | 30.4%-12.4pp | 55.6%-37.6pp | 57.2%-39.2pp |
| Annual return | 15.01% | 24.00%-9.0pp | 302.12%-287.1pp | 31.67%-16.7pp |
| Employer contribution / active EE | $0 | $412-100.0% | $914-100.0% | $2,019-100.0% |
| Participant deferral / active EE | $788 | $873-9.8% | $1,790-56.0% | $3,358-76.5% |
| Admin fee / account holder | $5,059 | $2,113+139.5% | $2,495+102.8% | $3,203+57.9% |