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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 | $21,761 | $97,751-77.7% | $103,447-79.0% | $145,877-85.1% |
| Participation rate | 42.9% | 81.1%-38.2pp | 80.5%-37.7pp | 80.3%-37.4pp |
| Annual return | 13.54% | 25.43%-11.9pp | 23.92%-10.4pp | 551.28%-537.7pp |
| Employer contribution / active EE | $0 | $4,684-100.0% | $4,678-100.0% | $4,663-100.0% |
| Participant deferral / active EE | $2,508 | $6,603-62.0% | $6,624-62.1% | $6,691-62.5% |
| Admin fee / account holder | $6,488 | $12,515-48.2% | $9,415-31.1% | $13,402-51.6% |