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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 | $16,939 | $60,139-71.8% | $90,461-81.3% | $79,856-78.8% |
| Participation rate | 26.3% | 65.0%-38.7pp | 72.7%-46.4pp | 69.6%-43.3pp |
| Annual return | 21.13% | 71.96%-50.8pp | 1294.76%-1273.6pp | 31.71%-10.6pp |
| Employer contribution / active EE | $189 | $2,069-90.9% | $3,264-94.2% | $2,471-92.4% |
| Participant deferral / active EE | $1,129 | $2,939-61.6% | $3,964-71.5% | $3,741-69.8% |
| Admin fee / account holder | $640 | $3,978-83.9% | $5,617-88.6% | $5,306-87.9% |