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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 | $35,613 | $56,640-37.1% | $78,002-54.3% | $55,167-35.4% |
| Participation rate | 55.3% | 73.3%-18.0pp | 75.5%-20.2pp | 69.0%-13.7pp |
| Annual return | 17.53% | 2868.48%-2850.9pp | 425.99%-408.5pp | 169.23%-151.7pp |
| Employer contribution / active EE | $241 | $1,724-86.0% | $2,470-90.2% | $1,963-87.7% |
| Participant deferral / active EE | $1,443 | $2,778-48.1% | $3,497-58.7% | $3,054-52.8% |
| Admin fee / account holder | $2,275 | $467+387.6% | $5,481-58.5% | $504+351.5% |