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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 | $104,650-86.9% | $83,854-83.7% | $155,188-91.2% |
| Participation rate | 33.3% | 65.1%-31.7pp | 59.1%-25.8pp | 80.8%-47.5pp |
| Annual return | 11.75% | 28.97%-17.2pp | 31.39%-19.6pp | 148.84%-137.1pp |
| Employer contribution / active EE | $0 | $1,196-100.0% | $1,017-100.0% | $4,248-100.0% |
| Participant deferral / active EE | $1,179 | $2,367-50.2% | $2,035-42.1% | $6,531-81.9% |
| Admin fee / account holder | $5,364 | $3,518+52.5% | $3,197+67.8% | $14,480-63.0% |