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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 | $13,396 | $111,830-88.0% | $93,696-85.7% | $145,884-90.8% |
| Participation rate | 64.3% | 74.2%-9.9pp | 68.7%-4.4pp | 80.3%-16.0pp |
| Annual return | 10.16% | 204.08%-193.9pp | 133.74%-123.6pp | 551.85%-541.7pp |
| Employer contribution / active EE | $0 | $3,093-100.0% | $2,422-100.0% | $4,662-100.0% |
| Participant deferral / active EE | $2,347 | $4,920-52.3% | $4,417-46.9% | $6,690-64.9% |
| Admin fee / account holder | $1,012 | $10,249-90.1% | $8,287-87.8% | $13,392-92.4% |