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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 | $36,140-2.7% | $73,658-52.3% | $64,340-45.3% |
| Participation rate | 18.0% | 31.0%-13.0pp | 57.0%-39.0pp | 55.2%-37.2pp |
| Annual return | 15.01% | 21.48%-6.5pp | 29.72%-14.7pp | 24.14%-9.1pp |
| Employer contribution / active EE | $0 | $443-100.0% | $1,032-100.0% | $1,862-100.0% |
| Participant deferral / active EE | $788 | $1,023-23.0% | $2,062-61.8% | $2,980-73.6% |
| Admin fee / account holder | $5,059 | $2,513+101.3% | $3,357+50.7% | $3,703+36.6% |