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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 | $4,111 | $76,608-94.6% | $56,077-92.7% | $145,877-97.2% |
| Participation rate | 58.3% | 63.2%-4.9pp | 52.5%+5.8pp | 80.3%-22.0pp |
| Annual return | 17.07% | 3009.59%-2992.5pp | 1709.28%-1692.2pp | 551.28%-534.2pp |
| Employer contribution / active EE | $15 | $1,382-98.9% | $1,040-98.6% | $4,663-99.7% |
| Participant deferral / active EE | $3,077 | $2,624+17.3% | $1,954+57.5% | $6,691-54.0% |
| Admin fee / account holder | $7,631 | $3,325+129.5% | $2,825+170.1% | $13,402-43.1% |