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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 | $21,788 | $42,548-48.8% | $74,551-70.8% | $56,289-61.3% |
| Participation rate | 27.8% | 60.5%-32.7pp | 69.1%-41.4pp | 69.9%-42.1pp |
| Annual return | 16.04% | 12.40%+3.6pp | 32.53%-16.5pp | -9.96%+26.0pp |
| Employer contribution / active EE | $0 | $855-100.0% | $1,961-100.0% | $2,111-100.0% |
| Participant deferral / active EE | $1,656 | $2,277-27.3% | $3,108-46.7% | $3,350-50.6% |
| Admin fee / account holder | $1,915 | $467+309.9% | $5,059-62.2% | $521+267.6% |