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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 | $50,582 | $60,128-15.9% | $90,440-44.1% | $79,852-36.7% |
| Participation rate | 5.1% | 65.0%-59.9pp | 72.7%-67.6pp | 69.6%-64.5pp |
| Annual return | 12.84% | 71.95%-59.1pp | 1294.38%-1281.5pp | 31.72%-18.9pp |
| Employer contribution / active EE | $106 | $2,068-94.9% | $3,263-96.8% | $2,471-95.7% |
| Participant deferral / active EE | $1,003 | $2,939-65.9% | $3,964-74.7% | $3,740-73.2% |
| Admin fee / account holder | $853 | $3,977-78.5% | $5,615-84.8% | $5,306-83.9% |