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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 | $14,990 | $110,337-86.4% | $102,383-85.4% | $145,877-89.7% |
| Participation rate | 30.0% | 77.9%-47.9pp | 74.5%-44.5pp | 80.3%-50.3pp |
| Annual return | 14.65% | 24.83%-10.2pp | 24.94%-10.3pp | 551.28%-536.6pp |
| Employer contribution / active EE | $296 | $4,216-93.0% | $3,870-92.3% | $4,663-93.6% |
| Participant deferral / active EE | $1,535 | $5,621-72.7% | $5,060-69.7% | $6,691-77.1% |
| Admin fee / account holder | $1,325 | $9,750-86.4% | $8,391-84.2% | $13,402-90.1% |