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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 | $16,088 | $162,529-90.1% | $130,788-87.7% | $154,746-89.6% |
| Participation rate | 34.8% | 75.9%-41.1pp | 70.1%-35.3pp | 80.7%-45.9pp |
| Annual return | 33.77% | 510.48%-476.7pp | 386.44%-352.7pp | 172.34%-138.6pp |
| Employer contribution / active EE | $0 | $4,447-100.0% | $3,558-100.0% | $4,379-100.0% |
| Participant deferral / active EE | $1,411 | $4,808-70.6% | $4,137-65.9% | $6,730-79.0% |
| Admin fee / account holder | $9,104 | $7,669+18.7% | $6,673+36.4% | $14,365-36.6% |