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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 | $13,436 | $48,314-72.2% | $67,561-80.1% | $80,925-83.4% |
| Participation rate | 50.0% | 66.4%-16.4pp | 72.9%-22.9pp | 67.7%-17.7pp |
| Annual return | 17.61% | 18.28%-0.7pp | 3525.44%-3507.8pp | 35.65%-18.0pp |
| Employer contribution / active EE | $0 | $2,022-100.0% | $2,735-100.0% | $2,756-100.0% |
| Participant deferral / active EE | $2,266 | $2,927-22.6% | $4,003-43.4% | $4,299-47.3% |
| Admin fee / account holder | $612 | $3,690-83.4% | $4,006-84.7% | $6,940-91.2% |