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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 | $8,208 | $72,446-88.7% | $67,561-87.9% | $145,877-94.4% |
| Participation rate | 37.5% | 76.9%-39.4pp | 72.9%-35.4pp | 80.3%-42.8pp |
| Annual return | 11.31% | 7211.98%-7200.7pp | 3525.44%-3514.1pp | 551.28%-540.0pp |
| Employer contribution / active EE | $147 | $3,072-95.2% | $2,735-94.6% | $4,663-96.9% |
| Participant deferral / active EE | $1,144 | $4,785-76.1% | $4,003-71.4% | $6,691-82.9% |
| Admin fee / account holder | $349 | $5,541-93.7% | $4,006-91.3% | $13,402-97.4% |