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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 | $32,768 | $85,169-61.5% | $172,755-81.0% | $72,983-55.1% |
| Participation rate | 31.4% | 70.1%-38.6pp | 82.6%-51.2pp | 69.5%-38.1pp |
| Annual return | 19.95% | 27.32%-7.4pp | 802.94%-783.0pp | 81.01%-61.1pp |
| Employer contribution / active EE | $89 | $3,324-97.3% | $5,144-98.3% | $2,440-96.3% |
| Participant deferral / active EE | $2,083 | $3,260-36.1% | $5,198-59.9% | $3,608-42.3% |
| Admin fee / account holder | $1,263 | $5,880-78.5% | $13,955-91.0% | $5,124-75.4% |