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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 | $29,532 | $96,731-69.5% | $123,973-76.2% | $86,983-66.0% |
| Participation rate | 38.5% | 70.0%-31.6pp | 76.7%-38.2pp | 69.5%-31.1pp |
| Annual return | 19.61% | 17.33%+2.3pp | 388.13%-368.5pp | 25.83%-6.2pp |
| Employer contribution / active EE | $0 | $3,297-100.0% | $4,126-100.0% | $2,584-100.0% |
| Participant deferral / active EE | $5,688 | $4,152+37.0% | $5,247+8.4% | $4,194+35.6% |
| Admin fee / account holder | $4,395 | $8,722-49.6% | $11,799-62.8% | $7,856-44.1% |