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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 | $18,762 | $96,419-80.5% | $80,648-76.7% | $139,487-86.5% |
| Participation rate | 57.1% | 73.6%-16.5pp | 67.0%-9.9pp | 80.3%-23.2pp |
| Annual return | 17.48% | 1352.86%-1335.4pp | 937.21%-919.7pp | 373.84%-356.4pp |
| Employer contribution / active EE | $298 | $3,261-90.9% | $2,724-89.1% | $4,755-93.7% |
| Participant deferral / active EE | $1,773 | $5,225-66.1% | $4,443-60.1% | $6,713-73.6% |
| Admin fee / account holder | $627 | $6,605-90.5% | $5,382-88.3% | $11,407-94.5% |