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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 | $17,497 | $60,139-70.9% | $90,461-80.7% | $79,856-78.1% |
| Participation rate | 37.5% | 65.0%-27.5pp | 72.7%-35.2pp | 69.6%-32.1pp |
| Annual return | 16.37% | 71.96%-55.6pp | 1294.76%-1278.4pp | 31.71%-15.3pp |
| Employer contribution / active EE | $160 | $2,069-92.2% | $3,264-95.1% | $2,471-93.5% |
| Participant deferral / active EE | $965 | $2,939-67.2% | $3,964-75.7% | $3,741-74.2% |
| Admin fee / account holder | $865 | $3,978-78.3% | $5,617-84.6% | $5,306-83.7% |