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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 | $24,182 | $125,237-80.7% | $105,608-77.1% | $145,877-83.4% |
| Participation rate | 14.3% | 77.7%-63.4pp | 75.3%-61.0pp | 80.3%-66.0pp |
| Annual return | 19.35% | 225.76%-206.4pp | 116.50%-97.1pp | 551.28%-531.9pp |
| Employer contribution / active EE | $0 | $3,720-100.0% | $3,167-100.0% | $4,663-100.0% |
| Participant deferral / active EE | $3,286 | $5,711-42.5% | $5,010-34.4% | $6,691-50.9% |
| Admin fee / account holder | $9,217 | $17,287-46.7% | $11,028-16.4% | $13,402-31.2% |