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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 | $31,282 | $52,678-40.6% | $75,784-58.7% | $59,633-47.5% |
| Participation rate | 58.1% | 67.2%-9.2pp | 75.8%-17.8pp | 68.7%-10.6pp |
| Annual return | -1.78% | 2.95%-4.7pp | 9.68%-11.5pp | 2041.45%-2043.2pp |
| Employer contribution / active EE | $0 | $2,193-100.0% | $3,323-100.0% | $2,203-100.0% |
| Participant deferral / active EE | $2,052 | $2,591-20.8% | $3,652-43.8% | $3,192-35.7% |
| Admin fee / account holder | $3,844 | $3,610+6.5% | $5,300-27.5% | $4,297-10.5% |