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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 | $26,175 | $157,296-83.4% | $141,191-81.5% | $152,897-82.9% |
| Participation rate | 9.1% | 84.8%-75.7pp | 82.5%-73.4pp | 82.5%-73.4pp |
| Annual return | 28.93% | 64.34%-35.4pp | 71.41%-42.5pp | 345.43%-316.5pp |
| Employer contribution / active EE | $781 | $5,262-85.2% | $4,736-83.5% | $4,764-83.6% |
| Participant deferral / active EE | $3,636 | $7,111-48.9% | $6,710-45.8% | $5,851-37.9% |
| Admin fee / account holder | $44,928 | $12,125+270.5% | $10,264+337.7% | $11,599+287.3% |