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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 | $11,400 | $48,314-76.4% | $67,561-83.1% | $80,925-85.9% |
| Participation rate | 63.2% | 66.4%-3.2pp | 72.9%-9.7pp | 67.7%-4.5pp |
| Annual return | 17.99% | 18.28%-0.3pp | 3525.44%-3507.4pp | 35.65%-17.7pp |
| Employer contribution / active EE | $0 | $2,022-100.0% | $2,735-100.0% | $2,756-100.0% |
| Participant deferral / active EE | $1,731 | $2,927-40.8% | $4,003-56.8% | $4,299-59.7% |
| Admin fee / account holder | $2,659 | $3,690-27.9% | $4,006-33.6% | $6,940-61.7% |