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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 | $15,225 | $94,749-83.9% | $112,899-86.5% | $139,466-89.1% |
| Participation rate | 52.6% | 81.3%-28.6pp | 80.5%-27.9pp | 80.3%-27.7pp |
| Annual return | 22.42% | 40.92%-18.5pp | 34.11%-11.7pp | 373.66%-351.2pp |
| Employer contribution / active EE | $0 | $4,630-100.0% | $4,566-100.0% | $4,754-100.0% |
| Participant deferral / active EE | $2,938 | $6,517-54.9% | $6,516-54.9% | $6,712-56.2% |
| Admin fee / account holder | $304 | $8,530-96.4% | $7,047-95.7% | $11,409-97.3% |