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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 | $10,093 | $72,446-86.1% | $67,561-85.1% | $145,877-93.1% |
| Participation rate | 36.4% | 76.9%-40.5pp | 72.9%-36.5pp | 80.3%-43.9pp |
| Annual return | 38.14% | 7211.98%-7173.8pp | 3525.44%-3487.3pp | 551.28%-513.1pp |
| Employer contribution / active EE | $296 | $3,072-90.4% | $2,735-89.2% | $4,663-93.7% |
| Participant deferral / active EE | $1,071 | $4,785-77.6% | $4,003-73.3% | $6,691-84.0% |
| Admin fee / account holder | $2,455 | $5,541-55.7% | $4,006-38.7% | $13,402-81.7% |