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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 | $23,642 | $103,008-77.0% | $90,304-73.8% | $152,897-84.5% |
| Participation rate | 37.5% | 75.9%-38.4pp | 73.3%-35.8pp | 82.5%-45.0pp |
| Annual return | 13.37% | 95.22%-81.8pp | 78.13%-64.8pp | 345.43%-332.1pp |
| Employer contribution / active EE | $71 | $3,139-97.7% | $2,855-97.5% | $4,764-98.5% |
| Participant deferral / active EE | $1,023 | $4,281-76.1% | $3,885-73.7% | $5,851-82.5% |
| Admin fee / account holder | $635 | $6,175-89.7% | $5,354-88.1% | $11,599-94.5% |