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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 | $25,923 | $102,385-74.7% | $147,080-82.4% | $80,935-68.0% |
| Participation rate | 45.0% | 75.9%-30.9pp | 82.2%-37.2pp | 67.7%-22.7pp |
| Annual return | 37.86% | 135.09%-97.2pp | 420.17%-382.3pp | 35.66%+2.2pp |
| Employer contribution / active EE | $0 | $3,717-100.0% | $4,933-100.0% | $2,757-100.0% |
| Participant deferral / active EE | $3,845 | $6,651-42.2% | $8,066-52.3% | $4,299-10.6% |
| Admin fee / account holder | $3,760 | $7,951-52.7% | $12,989-71.0% | $6,924-45.7% |