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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 | $14,397 | $77,908-81.5% | $149,696-90.4% | $75,173-80.8% |
| Participation rate | 35.0% | 65.6%-30.6pp | 78.8%-43.8pp | 67.2%-32.2pp |
| Annual return | 29.43% | 31.73%-2.3pp | 134.46%-105.0pp | 160.72%-131.3pp |
| Employer contribution / active EE | $0 | $3,138-100.0% | $4,821-100.0% | $2,671-100.0% |
| Participant deferral / active EE | $2,146 | $3,411-37.1% | $5,682-62.2% | $4,126-48.0% |
| Admin fee / account holder | $390 | $5,950-93.5% | $13,212-97.1% | $5,651-93.1% |