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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 | $12,196 | $45,123-73.0% | $85,240-85.7% | $74,478-83.6% |
| Participation rate | 32.5% | 49.4%-16.8pp | 67.5%-35.0pp | 67.2%-34.7pp |
| Annual return | 11.45% | 26.32%-14.9pp | 66.75%-55.3pp | 1370.56%-1359.1pp |
| Employer contribution / active EE | $0 | $1,459-100.0% | $2,735-100.0% | $2,626-100.0% |
| Participant deferral / active EE | $810 | $2,736-70.4% | $4,527-82.1% | $4,350-81.4% |
| Admin fee / account holder | $393 | $2,215-82.2% | $6,165-93.6% | $1,946-79.8% |