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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 | $27,396 | $232,540-88.2% | $185,117-85.2% | $147,586-81.4% |
| Participation rate | 57.1% | 82.4%-25.2pp | 77.3%-20.1pp | 82.8%-25.7pp |
| Annual return | 11.36% | 43.03%-31.7pp | 40.50%-29.1pp | 578.59%-567.2pp |
| Employer contribution / active EE | $130 | $5,195-97.5% | $4,182-96.9% | $4,876-97.3% |
| Participant deferral / active EE | $4,625 | $5,834-20.7% | $5,045-8.3% | $5,439-15.0% |
| Admin fee / account holder | $35,539 | $10,275+245.9% | $8,159+335.6% | $10,886+226.5% |