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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 | $11,082 | $57,305-80.7% | $86,640-87.2% | $75,173-85.3% |
| Participation rate | 51.7% | 63.2%-11.5pp | 71.7%-20.0pp | 67.2%-15.5pp |
| Annual return | 21.75% | 2674.24%-2652.5pp | 592.52%-570.8pp | 160.72%-139.0pp |
| Employer contribution / active EE | $0 | $2,316-100.0% | $3,024-100.0% | $2,671-100.0% |
| Participant deferral / active EE | $3,080 | $3,320-7.2% | $4,438-30.6% | $4,126-25.4% |
| Admin fee / account holder | $997 | $4,116-75.8% | $5,616-82.3% | $5,651-82.4% |