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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 | $48,327-76.4% | $67,575-83.1% | $80,935-85.9% |
| Participation rate | 63.2% | 66.4%-3.3pp | 72.9%-9.8pp | 67.7%-4.5pp |
| Annual return | 17.99% | 18.31%-0.3pp | 3528.98%-3511.0pp | 35.66%-17.7pp |
| Employer contribution / active EE | $0 | $2,022-100.0% | $2,736-100.0% | $2,757-100.0% |
| Participant deferral / active EE | $1,731 | $2,927-40.9% | $4,003-56.8% | $4,299-59.7% |
| Admin fee / account holder | $2,659 | $3,692-28.0% | $3,993-33.4% | $6,924-61.6% |