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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 | $31,585 | $81,763-61.4% | $58,561-46.1% | $139,466-77.4% |
| Participation rate | 41.7% | 61.3%-19.7pp | 50.9%-9.2pp | 80.3%-38.7pp |
| Annual return | 16.52% | 7427.77%-7411.3pp | 4251.33%-4234.8pp | 373.66%-357.1pp |
| Employer contribution / active EE | $0 | $1,398-100.0% | $1,053-100.0% | $4,754-100.0% |
| Participant deferral / active EE | $980 | $2,555-61.6% | $1,923-49.0% | $6,712-85.4% |
| Admin fee / account holder | $5,094 | $3,273+55.6% | $2,520+102.1% | $11,409-55.4% |