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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 | $22,129 | $41,150-46.2% | $80,627-72.6% | $71,511-69.1% |
| Participation rate | 22.7% | 50.3%-27.6pp | 67.0%-44.3pp | 67.9%-45.2pp |
| Annual return | 21.17% | 38.48%-17.3pp | 936.76%-915.6pp | 28.86%-7.7pp |
| Employer contribution / active EE | $0 | $1,515-100.0% | $2,723-100.0% | $2,589-100.0% |
| Participant deferral / active EE | $1,369 | $2,701-49.3% | $4,443-69.2% | $4,291-68.1% |
| Admin fee / account holder | $795 | $1,841-56.8% | $5,381-85.2% | $1,588-50.0% |