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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 | $11,708 | $88,754-86.8% | $81,820-85.7% | $145,877-92.0% |
| Participation rate | 66.7% | 75.1%-8.4pp | 72.4%-5.7pp | 80.3%-13.6pp |
| Annual return | 14.72% | 1031.77%-1017.0pp | 777.93%-763.2pp | 551.28%-536.6pp |
| Employer contribution / active EE | $0 | $3,085-100.0% | $2,915-100.0% | $4,663-100.0% |
| Participant deferral / active EE | $3,467 | $4,648-25.4% | $4,323-19.8% | $6,691-48.2% |
| Admin fee / account holder | $425 | $8,424-95.0% | $7,391-94.2% | $13,402-96.8% |