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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 | $17,140 | $91,179-81.2% | $178,499-90.4% | $79,852-78.5% |
| Participation rate | 52.3% | 69.2%-16.9pp | 81.9%-29.7pp | 69.6%-17.4pp |
| Annual return | 15.44% | 24.19%-8.8pp | 151.10%-135.7pp | 31.72%-16.3pp |
| Employer contribution / active EE | $0 | $3,256-100.0% | $5,011-100.0% | $2,471-100.0% |
| Participant deferral / active EE | $1,982 | $3,236-38.7% | $5,202-61.9% | $3,740-47.0% |
| Admin fee / account holder | $2,137 | $6,749-68.3% | $13,986-84.7% | $5,306-59.7% |