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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 | $30,569 | $25,014+22.2% | $69,611-56.1% | $80,925-62.2% |
| Participation rate | 53.1% | 64.2%-11.1pp | 66.4%-13.3pp | 67.7%-14.5pp |
| Annual return | 11.78% | 19.08%-7.3pp | 101.14%-89.4pp | 35.65%-23.9pp |
| Employer contribution / active EE | $0 | $991-100.0% | $1,709-100.0% | $2,756-100.0% |
| Participant deferral / active EE | $1,183 | $1,840-35.7% | $2,891-59.1% | $4,299-72.5% |
| Admin fee / account holder | $14,587 | $2,491+485.6% | $4,696+210.6% | $6,940+110.2% |