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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 | $24,051 | $227,597-89.4% | $189,575-87.3% | $167,536-85.6% |
| Participation rate | 66.7% | 82.5%-15.8pp | 78.4%-11.8pp | 82.1%-15.4pp |
| Annual return | 14.34% | 78.44%-64.1pp | 64.19%-49.8pp | 478.82%-464.5pp |
| Employer contribution / active EE | $284 | $5,316-94.6% | $4,412-93.6% | $4,839-94.1% |
| Participant deferral / active EE | $4,373 | $7,002-37.5% | $6,174-29.2% | $6,342-31.0% |
| Admin fee / account holder | $2,727 | $11,877-77.0% | $9,806-72.2% | $12,315-77.9% |