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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 | $13,215 | $67,823-80.5% | $52,425-74.8% | $137,256-90.4% |
| Participation rate | 68.8% | 63.9%+4.8pp | 55.6%+13.1pp | 80.0%-11.2pp |
| Annual return | 16.88% | 219.11%-202.2pp | 302.12%-285.2pp | 220.34%-203.5pp |
| Employer contribution / active EE | $0 | $1,163-100.0% | $914-100.0% | $4,156-100.0% |
| Participant deferral / active EE | $2,383 | $2,288+4.1% | $1,790+33.1% | $6,407-62.8% |
| Admin fee / account holder | $325 | $2,844-88.6% | $2,495-87.0% | $12,270-97.4% |