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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 | $76,519-94.6% | $56,025-92.7% | $145,897-97.2% |
| Participation rate | 58.3% | 63.2%-4.9pp | 52.5%+5.8pp | 80.3%-22.0pp |
| Annual return | 17.07% | 3017.03%-3000.0pp | 1712.69%-1695.6pp | 552.29%-535.2pp |
| Employer contribution / active EE | $15 | $1,383-98.9% | $1,042-98.6% | $4,663-99.7% |
| Participant deferral / active EE | $3,077 | $2,624+17.2% | $1,955+57.4% | $6,689-54.0% |
| Admin fee / account holder | $7,631 | $3,331+129.1% | $2,828+169.8% | $13,390-43.0% |