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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 | $43,486 | $137,414-68.4% | $189,537-77.1% | $85,847-49.3% |
| Participation rate | 61.7% | 84.6%-22.9pp | 87.8%-26.1pp | 69.3%-7.6pp |
| Annual return | 15.44% | 38.14%-22.7pp | 555.34%-539.9pp | 318.61%-303.2pp |
| Employer contribution / active EE | $70 | $4,344-98.4% | $6,161-98.9% | $2,565-97.3% |
| Participant deferral / active EE | $8,487 | $6,260+35.6% | $8,220+3.2% | $3,952+114.7% |
| Admin fee / account holder | $536 | $8,630-93.8% | $12,048-95.5% | $6,261-91.4% |