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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 | $13,693 | $69,118-80.2% | $53,647-74.5% | $138,895-90.1% |
| Participation rate | 33.3% | 64.0%-30.6pp | 56.3%-22.9pp | 79.9%-46.6pp |
| Annual return | 11.75% | 248.26%-236.5pp | 358.33%-346.6pp | 145.39%-133.6pp |
| Employer contribution / active EE | $0 | $1,189-100.0% | $962-100.0% | $4,194-100.0% |
| Participant deferral / active EE | $1,179 | $2,274-48.2% | $1,813-35.0% | $6,396-81.6% |
| Admin fee / account holder | $5,364 | $2,724+96.9% | $2,460+118.1% | $12,562-57.3% |