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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 | $47,769 | $76,522-37.6% | $56,033-14.7% | $145,884-67.3% |
| Participation rate | 50.0% | 63.2%-13.2pp | 52.5%-2.5pp | 80.3%-30.3pp |
| Annual return | 8.62% | 3014.28%-3005.7pp | 1711.38%-1702.8pp | 551.85%-543.2pp |
| Employer contribution / active EE | $0 | $1,382-100.0% | $1,041-100.0% | $4,662-100.0% |
| Participant deferral / active EE | $1,350 | $2,624-48.6% | $1,954-30.9% | $6,690-79.8% |
| Admin fee / account holder | $310 | $3,328-90.7% | $2,827-89.0% | $13,392-97.7% |