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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 | $20,949 | $77,908-73.1% | $149,696-86.0% | $75,173-72.1% |
| Participation rate | 41.2% | 65.6%-24.4pp | 78.8%-37.6pp | 67.2%-26.0pp |
| Annual return | 15.05% | 31.73%-16.7pp | 134.46%-119.4pp | 160.72%-145.7pp |
| Employer contribution / active EE | $38 | $3,138-98.8% | $4,821-99.2% | $2,671-98.6% |
| Participant deferral / active EE | $3,130 | $3,411-8.2% | $5,682-44.9% | $4,126-24.2% |
| Admin fee / account holder | $2,420 | $5,950-59.3% | $13,212-81.7% | $5,651-57.2% |