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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 | $30,877 | $102,635-69.9% | $86,209-64.2% | $139,456-77.9% |
| Participation rate | 42.9% | 74.5%-31.6pp | 69.0%-26.1pp | 80.3%-37.5pp |
| Annual return | 26.36% | 1923.53%-1897.2pp | 1169.05%-1142.7pp | 373.45%-347.1pp |
| Employer contribution / active EE | $395 | $3,034-87.0% | $2,381-83.4% | $4,753-91.7% |
| Participant deferral / active EE | $1,927 | $4,677-58.8% | $3,986-51.7% | $6,711-71.3% |
| Admin fee / account holder | $644 | $8,661-92.6% | $6,853-90.6% | $11,407-94.4% |