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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 | $4,379 | $88,778-95.1% | $81,844-94.6% | $145,884-97.0% |
| Participation rate | 46.2% | 75.1%-28.9pp | 72.4%-26.2pp | 80.3%-34.1pp |
| Annual return | 14.71% | 1033.03%-1018.3pp | 778.87%-764.2pp | 551.85%-537.1pp |
| Employer contribution / active EE | $0 | $3,087-100.0% | $2,916-100.0% | $4,662-100.0% |
| Participant deferral / active EE | $1,558 | $4,648-66.5% | $4,323-64.0% | $6,690-76.7% |
| Admin fee / account holder | $1,499 | $8,430-82.2% | $7,355-79.6% | $13,392-88.8% |