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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 | $48,962 | $45,566+7.5% | $64,105-23.6% | $59,633-17.9% |
| Participation rate | 37.6% | 60.2%-22.5pp | 68.2%-30.5pp | 68.7%-31.0pp |
| Annual return | 1.70% | 4.95%-3.3pp | 791.24%-789.5pp | 2041.45%-2039.8pp |
| Employer contribution / active EE | $0 | $934-100.0% | $1,820-100.0% | $2,203-100.0% |
| Participant deferral / active EE | $1,885 | $2,057-8.3% | $2,822-33.2% | $3,192-40.9% |
| Admin fee / account holder | $1,927 | $3,268-41.0% | $4,499-57.2% | $4,297-55.2% |