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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 | $89,259-66.9% | $107,187-72.4% | $82,637-64.3% |
| Participation rate | 38.5% | 67.9%-29.5pp | 75.0%-36.6pp | 68.1%-29.6pp |
| Annual return | 19.61% | 21.02%-1.4pp | 204.55%-184.9pp | 53.51%-33.9pp |
| Employer contribution / active EE | $0 | $3,080-100.0% | $3,782-100.0% | $2,552-100.0% |
| Participant deferral / active EE | $5,688 | $4,037+40.9% | $5,096+11.6% | $4,126+37.9% |
| Admin fee / account holder | $4,395 | $7,381-40.5% | $9,162-52.0% | $7,339-40.1% |