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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 | $38,791 | $106,008-63.4% | $92,240-57.9% | $147,586-73.7% |
| Participation rate | 54.5% | 80.4%-25.9pp | 76.5%-21.9pp | 82.8%-28.3pp |
| Annual return | 15.95% | 50.05%-34.1pp | 176.29%-160.3pp | 578.59%-562.6pp |
| Employer contribution / active EE | $43 | $4,333-99.0% | $3,680-98.8% | $4,876-99.1% |
| Participant deferral / active EE | $2,693 | $4,478-39.9% | $3,897-30.9% | $5,439-50.5% |
| Admin fee / account holder | $3,174 | $6,333-49.9% | $5,194-38.9% | $10,886-70.8% |