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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 | $27,586 | $102,663-73.1% | $86,216-68.0% | $139,466-80.2% |
| Participation rate | 65.0% | 74.5%-9.5pp | 69.0%-4.0pp | 80.3%-15.3pp |
| Annual return | 17.08% | 1924.52%-1907.4pp | 1169.42%-1152.3pp | 373.66%-356.6pp |
| Employer contribution / active EE | $0 | $3,035-100.0% | $2,382-100.0% | $4,754-100.0% |
| Participant deferral / active EE | $1,457 | $4,677-68.8% | $3,986-63.4% | $6,712-78.3% |
| Admin fee / account holder | $781 | $8,663-91.0% | $6,853-88.6% | $11,409-93.2% |