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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 | $15,092 | $156,897-90.4% | $121,147-87.5% | $139,427-89.2% |
| Participation rate | 37.5% | 76.4%-38.9pp | 69.5%-32.0pp | 80.3%-42.8pp |
| Annual return | 16.74% | 1475.10%-1458.4pp | 986.30%-969.6pp | 373.27%-356.5pp |
| Employer contribution / active EE | $0 | $5,539-100.0% | $4,166-100.0% | $4,752-100.0% |
| Participant deferral / active EE | $2,848 | $4,846-41.2% | $4,081-30.2% | $6,711-57.6% |
| Admin fee / account holder | $1,432 | $6,948-79.4% | $5,646-74.6% | $11,404-87.4% |