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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 | $52,306 | $39,195+33.4% | $98,864-47.1% | $79,389-34.1% |
| Participation rate | 43.2% | 59.8%-16.5pp | 65.7%-22.5pp | 70.7%-27.5pp |
| Annual return | 15.22% | 19.95%-4.7pp | 50.03%-34.8pp | 116.89%-101.7pp |
| Employer contribution / active EE | $0 | $1,334-100.0% | $2,070-100.0% | $2,428-100.0% |
| Participant deferral / active EE | $1,493 | $2,333-36.0% | $3,037-50.8% | $4,046-63.1% |
| Admin fee / account holder | $738 | $365+102.2% | $4,080-81.9% | $626+17.8% |