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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 | $30,886 | $77,920-60.4% | $149,723-79.4% | $75,177-58.9% |
| Participation rate | 7.5% | 65.6%-58.1pp | 78.8%-71.3pp | 67.2%-59.7pp |
| Annual return | 21.04% | 31.72%-10.7pp | 134.50%-113.5pp | 160.75%-139.7pp |
| Employer contribution / active EE | $107 | $3,138-96.6% | $4,821-97.8% | $2,671-96.0% |
| Participant deferral / active EE | $953 | $3,411-72.1% | $5,682-83.2% | $4,126-76.9% |
| Admin fee / account holder | $1,885 | $5,951-68.3% | $13,215-85.7% | $5,651-66.6% |