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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 | $27,883 | $45,123-38.2% | $85,240-67.3% | $74,478-62.6% |
| Participation rate | 18.7% | 49.4%-30.7pp | 67.5%-48.9pp | 67.2%-48.6pp |
| Annual return | 21.02% | 26.32%-5.3pp | 66.75%-45.7pp | 1370.56%-1349.5pp |
| Employer contribution / active EE | $0 | $1,459-100.0% | $2,735-100.0% | $2,626-100.0% |
| Participant deferral / active EE | $1,700 | $2,736-37.9% | $4,527-62.5% | $4,350-60.9% |
| Admin fee / account holder | $2,560 | $2,215+15.6% | $6,165-58.5% | $1,946+31.6% |