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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 | $8,623 | $76,519-88.7% | $56,025-84.6% | $145,897-94.1% |
| Participation rate | 57.1% | 63.2%-6.1pp | 52.5%+4.6pp | 80.3%-23.2pp |
| Annual return | 9.71% | 3017.03%-3007.3pp | 1712.69%-1703.0pp | 552.29%-542.6pp |
| Employer contribution / active EE | $2 | $1,383-99.8% | $1,042-99.8% | $4,663-100.0% |
| Participant deferral / active EE | $1,955 | $2,624-25.5% | $1,9550% | $6,689-70.8% |
| Admin fee / account holder | $596 | $3,331-82.1% | $2,828-78.9% | $13,390-95.6% |