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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 | $61,622 | $29,736+107.2% | $56,033+10.0% | $80,935-23.9% |
| Participation rate | 9.3% | 41.7%-32.4pp | 52.5%-43.2pp | 67.7%-58.4pp |
| Annual return | 12.82% | 35.28%-22.5pp | 1711.38%-1698.6pp | 35.66%-22.8pp |
| Employer contribution / active EE | $0 | $671-100.0% | $1,041-100.0% | $2,757-100.0% |
| Participant deferral / active EE | $265 | $1,228-78.4% | $1,954-86.4% | $4,299-93.8% |
| Admin fee / account holder | $1,178 | $2,434-51.6% | $2,827-58.3% | $6,924-83.0% |