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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 | $28,630 | $57,330-50.1% | $86,656-67.0% | $75,177-61.9% |
| Participation rate | 63.2% | 63.2%0pp | 71.7%-8.5pp | 67.2%-4.0pp |
| Annual return | 18.29% | 2675.40%-2657.1pp | 593.09%-574.8pp | 160.75%-142.5pp |
| Employer contribution / active EE | $0 | $2,316-100.0% | $3,025-100.0% | $2,671-100.0% |
| Participant deferral / active EE | $3,814 | $3,320+14.9% | $4,439-14.1% | $4,126-7.6% |
| Admin fee / account holder | $7,092 | $4,115+72.4% | $5,619+26.2% | $5,651+25.5% |