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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 | $26,728 | $72,177-63.0% | $115,038-76.8% | $59,633-55.2% |
| Participation rate | 50.0% | 72.6%-22.6pp | 81.4%-31.4pp | 68.7%-18.7pp |
| Annual return | 0.23% | 12.02%-11.8pp | 26.14%-25.9pp | 2041.45%-2041.2pp |
| Employer contribution / active EE | $405 | $2,841-85.7% | $4,608-91.2% | $2,203-81.6% |
| Participant deferral / active EE | $2,042 | $4,783-57.3% | $6,026-66.1% | $3,192-36.0% |
| Admin fee / account holder | $406 | $4,927-91.8% | $8,175-95.0% | $4,297-90.6% |