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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 | $43,033 | $30,437+41.4% | $56,033-23.2% | $74,459-42.2% |
| Participation rate | 9.6% | 32.9%-23.3pp | 52.5%-42.9pp | 67.2%-57.6pp |
| Annual return | 24.85% | 24.96%-0.1pp | 1711.38%-1686.5pp | 1369.70%-1344.9pp |
| Employer contribution / active EE | $63 | $610-89.8% | $1,041-94.0% | $2,626-97.6% |
| Participant deferral / active EE | $556 | $1,176-52.7% | $1,954-71.6% | $4,350-87.2% |
| Admin fee / account holder | $6,171 | $2,363+161.1% | $2,827+118.3% | $1,945+217.3% |