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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 | $16,972 | $84,684-80.0% | $73,835-77.0% | $125,388-86.5% |
| Participation rate | 60.0% | 76.8%-16.8pp | 73.4%-13.4pp | 83.2%-23.2pp |
| Annual return | 3.95% | 3123.93%-3120.0pp | 2268.13%-2264.2pp | 282.24%-278.3pp |
| Employer contribution / active EE | $0 | $3,123-100.0% | $2,788-100.0% | $4,866-100.0% |
| Participant deferral / active EE | $4,360 | $3,993+9.2% | $3,583+21.7% | $5,352-18.5% |
| Admin fee / account holder | $1,134 | $5,691-80.1% | $4,880-76.8% | $9,541-88.1% |