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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 | $19,524 | $115,917-83.2% | $100,535-80.6% | $158,982-87.7% |
| Participation rate | 63.2% | 81.6%-18.4pp | 79.4%-16.3pp | 82.0%-18.8pp |
| Annual return | 74.62% | 34.80%+39.8pp | 30.90%+43.7pp | 302.99%-228.4pp |
| Employer contribution / active EE | $0 | $4,105-100.0% | $3,419-100.0% | $4,763-100.0% |
| Participant deferral / active EE | $10,012 | $6,677+50.0% | $6,271+59.6% | $5,983+67.3% |
| Admin fee / account holder | $3,323 | $11,002-69.8% | $8,085-58.9% | $11,252-70.5% |