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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 | $36,553 | $34,316+6.5% | $74,722-51.1% | $72,975-49.9% |
| Participation rate | 6.1% | 42.4%-36.3pp | 54.5%-48.3pp | 69.5%-63.4pp |
| Annual return | 23.78% | 26.58%-2.8pp | 753.11%-729.3pp | 81.01%-57.2pp |
| Employer contribution / active EE | $63 | $692-90.9% | $1,084-94.2% | $2,440-97.4% |
| Participant deferral / active EE | $465 | $1,272-63.4% | $1,963-76.3% | $3,608-87.1% |
| Admin fee / account holder | $674 | $2,125-68.3% | $3,335-79.8% | $5,124-86.8% |