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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 | $14,871 | $72,071-79.4% | $68,368-78.2% | $137,256-89.2% |
| Participation rate | 13.0% | 76.2%-63.2pp | 73.8%-60.7pp | 80.0%-66.9pp |
| Annual return | 15.54% | 353.14%-337.6pp | 292.57%-277.0pp | 220.34%-204.8pp |
| Employer contribution / active EE | $258 | $2,788-90.8% | $2,649-90.3% | $4,156-93.8% |
| Participant deferral / active EE | $814 | $4,410-81.5% | $4,123-80.3% | $6,407-87.3% |
| Admin fee / account holder | $1,209 | $5,336-77.3% | $5,150-76.5% | $12,270-90.1% |