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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 | $30,418 | $185,225-83.6% | $142,898-78.7% | $167,536-81.8% |
| Participation rate | 54.5% | 78.5%-23.9pp | 72.0%-17.4pp | 82.1%-27.6pp |
| Annual return | 14.11% | 8558.12%-8544.0pp | 5639.64%-5625.5pp | 478.82%-464.7pp |
| Employer contribution / active EE | $0 | $5,607-100.0% | $4,146-100.0% | $4,839-100.0% |
| Participant deferral / active EE | $2,685 | $4,496-40.3% | $3,838-30.1% | $6,342-57.7% |
| Admin fee / account holder | $751 | $8,032-90.7% | $6,560-88.6% | $12,315-93.9% |