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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 | $23,401 | $55,437-57.8% | $155,534-85.0% | $74,459-68.6% |
| Participation rate | 37.1% | 61.9%-24.8pp | 78.2%-41.1pp | 67.2%-30.1pp |
| Annual return | 19.93% | 269.58%-249.6pp | 64.92%-45.0pp | 1369.70%-1349.8pp |
| Employer contribution / active EE | $72 | $2,266-96.8% | $4,675-98.5% | $2,626-97.3% |
| Participant deferral / active EE | $1,460 | $2,837-48.5% | $5,630-74.1% | $4,350-66.4% |
| Admin fee / account holder | $1,053 | $1,742-39.6% | $15,900-93.4% | $1,945-45.9% |