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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 | $21,959 | $57,350-61.7% | $83,850-73.8% | $64,181-65.8% |
| Participation rate | 43.3% | 68.6%-25.3pp | 76.1%-32.8pp | 69.6%-26.2pp |
| Annual return | -2.90% | 11.38%-14.3pp | 850.92%-853.8pp | 7.63%-10.5pp |
| Employer contribution / active EE | $0 | $2,545-100.0% | $3,631-100.0% | $2,381-100.0% |
| Participant deferral / active EE | $1,302 | $2,993-56.5% | $4,082-68.1% | $3,470-62.5% |
| Admin fee / account holder | $471 | $4,046-88.4% | $5,478-91.4% | $4,887-90.4% |