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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 | $27,563 | $226,135-87.8% | $182,558-84.9% | $152,909-82.0% |
| Participation rate | 41.2% | 82.5%-41.3pp | 78.0%-36.8pp | 82.5%-41.3pp |
| Annual return | 22.46% | 192.60%-170.1pp | 148.59%-126.1pp | 345.46%-323.0pp |
| Employer contribution / active EE | $113 | $4,979-97.7% | $4,076-97.2% | $4,764-97.6% |
| Participant deferral / active EE | $2,254 | $6,371-64.6% | $5,526-59.2% | $5,851-61.5% |
| Admin fee / account holder | $310 | $10,707-97.1% | $8,594-96.4% | $11,601-97.3% |