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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 | $29,581 | $100,938-70.7% | $90,461-67.3% | $158,982-81.4% |
| Participation rate | 57.1% | 75.0%-17.9pp | 72.7%-15.5pp | 82.0%-24.8pp |
| Annual return | 14.83% | 1727.20%-1712.4pp | 1294.76%-1279.9pp | 302.99%-288.2pp |
| Employer contribution / active EE | $0 | $3,691-100.0% | $3,264-100.0% | $4,763-100.0% |
| Participant deferral / active EE | $3,165 | $4,350-27.2% | $3,964-20.2% | $5,983-47.1% |
| Admin fee / account holder | $323 | $6,510-95.0% | $5,617-94.3% | $11,252-97.1% |