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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 | $29,349 | $55,437-47.1% | $155,534-81.1% | $74,459-60.6% |
| Participation rate | 19.8% | 61.9%-42.1pp | 78.2%-58.4pp | 67.2%-47.4pp |
| Annual return | 12.67% | 269.58%-256.9pp | 64.92%-52.2pp | 1369.70%-1357.0pp |
| Employer contribution / active EE | $342 | $2,266-84.9% | $4,675-92.7% | $2,626-87.0% |
| Participant deferral / active EE | $908 | $2,837-68.0% | $5,630-83.9% | $4,350-79.1% |
| Admin fee / account holder | $2,117 | $1,742+21.5% | $15,900-86.7% | $1,945+8.9% |