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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 | $45,130 | $65,367-31.0% | $92,915-51.4% | $72,976-38.2% |
| Participation rate | 50.0% | 68.3%-18.3pp | 76.0%-26.0pp | 69.5%-19.5pp |
| Annual return | 19.16% | 42.11%-22.9pp | 109.45%-90.3pp | 81.02%-61.9pp |
| Employer contribution / active EE | $3 | $2,594-99.9% | $3,653-99.9% | $2,440-99.9% |
| Participant deferral / active EE | $2,794 | $3,128-10.7% | $4,238-34.1% | $3,608-22.5% |
| Admin fee / account holder | $426 | $4,251-90.0% | $5,796-92.7% | $5,124-91.7% |