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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 | $24,934 | $45,043-44.6% | $63,005-60.4% | $70,124-64.4% |
| Participation rate | 32.4% | 69.5%-37.2pp | 74.8%-42.5pp | 69.5%-37.2pp |
| Annual return | 12.72% | 18.76%-6.0pp | 87.59%-74.9pp | 73.14%-60.4pp |
| Employer contribution / active EE | $0 | $2,052-100.0% | $2,760-100.0% | $2,342-100.0% |
| Participant deferral / active EE | $873 | $2,466-64.6% | $3,329-73.8% | $3,332-73.8% |
| Admin fee / account holder | $13,599 | $2,833+380.0% | $3,599+277.8% | $4,645+192.7% |