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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 | $63,621 | $91,198-30.2% | $178,503-64.4% | $79,856-20.3% |
| Participation rate | 21.4% | 69.2%-47.8pp | 81.9%-60.5pp | 69.6%-48.2pp |
| Annual return | 10.88% | 24.20%-13.3pp | 151.12%-140.2pp | 31.71%-20.8pp |
| Employer contribution / active EE | $20 | $3,257-99.4% | $5,011-99.6% | $2,471-99.2% |
| Participant deferral / active EE | $1,009 | $3,237-68.8% | $5,202-80.6% | $3,741-73.0% |
| Admin fee / account holder | $9,829 | $6,748+45.6% | $13,987-29.7% | $5,306+85.2% |