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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 | $18,263 | $102,595-82.2% | $94,057-80.6% | $154,746-88.2% |
| Participation rate | 68.2% | 76.0%-7.8pp | 73.3%-5.2pp | 80.7%-12.5pp |
| Annual return | 13.96% | 583.42%-569.5pp | 480.62%-466.7pp | 172.34%-158.4pp |
| Employer contribution / active EE | $0 | $3,147-100.0% | $2,933-100.0% | $4,379-100.0% |
| Participant deferral / active EE | $1,836 | $5,118-64.1% | $4,709-61.0% | $6,730-72.7% |
| Admin fee / account holder | $13,938 | $7,736+80.2% | $7,244+92.4% | $14,365-3.0% |