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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 | $17,680 | $104,937-83.2% | $84,628-79.1% | $152,897-88.4% |
| Participation rate | 52.9% | 74.8%-21.9pp | 68.2%-15.3pp | 82.5%-29.5pp |
| Annual return | 22.53% | 373.88%-351.4pp | 258.80%-236.3pp | 345.43%-322.9pp |
| Employer contribution / active EE | $189 | $3,303-94.3% | $2,653-92.9% | $4,764-96.0% |
| Participant deferral / active EE | $1,285 | $4,690-72.6% | $3,900-67.0% | $5,851-78.0% |
| Admin fee / account holder | $2,051 | $6,243-67.1% | $4,914-58.3% | $11,599-82.3% |