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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 | $31,068 | $75,541-58.9% | $152,093-79.6% | $82,637-62.4% |
| Participation rate | 40.0% | 66.5%-26.5pp | 77.8%-37.8pp | 68.1%-28.1pp |
| Annual return | 15.81% | 32.56%-16.7pp | 66.36%-50.5pp | 53.51%-37.7pp |
| Employer contribution / active EE | -$4 | $2,622-100.2% | $4,175-100.1% | $2,552-100.2% |
| Participant deferral / active EE | $1,478 | $3,206-53.9% | $5,451-72.9% | $4,126-64.2% |
| Admin fee / account holder | $1,982 | $6,405-69.0% | $14,497-86.3% | $7,339-73.0% |