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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 | $5,486 | $70,366-92.2% | $66,674-91.8% | $138,895-96.1% |
| Participation rate | 58.8% | 76.2%-17.4pp | 73.7%-14.8pp | 79.9%-21.1pp |
| Annual return | 34.61% | 386.41%-351.8pp | 321.24%-286.6pp | 145.39%-110.8pp |
| Employer contribution / active EE | $0 | $2,765-100.0% | $2,620-100.0% | $4,194-100.0% |
| Participant deferral / active EE | $1,503 | $4,374-65.6% | $4,084-63.2% | $6,396-76.5% |
| Admin fee / account holder | $687 | $5,262-87.0% | $5,098-86.5% | $12,562-94.5% |