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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 | $33,215 | $57,305-42.0% | $86,640-61.7% | $75,173-55.8% |
| Participation rate | 20.0% | 63.2%-43.2pp | 71.7%-51.7pp | 67.2%-47.2pp |
| Annual return | 18.82% | 2674.24%-2655.4pp | 592.52%-573.7pp | 160.72%-141.9pp |
| Employer contribution / active EE | $211 | $2,316-90.9% | $3,024-93.0% | $2,671-92.1% |
| Participant deferral / active EE | $1,617 | $3,320-51.3% | $4,438-63.6% | $4,126-60.8% |
| Admin fee / account holder | $1,866 | $4,116-54.7% | $5,616-66.8% | $5,651-67.0% |