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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 | $18,666 | $28,624-34.8% | $53,647-65.2% | $82,637-77.4% |
| Participation rate | 8.2% | 47.3%-39.0pp | 56.3%-48.0pp | 68.1%-59.8pp |
| Annual return | 17.71% | 664.98%-647.3pp | 358.33%-340.6pp | 53.51%-35.8pp |
| Employer contribution / active EE | $0 | $637-100.0% | $962-100.0% | $2,552-100.0% |
| Participant deferral / active EE | $374 | $1,196-68.7% | $1,813-79.3% | $4,126-90.9% |
| Admin fee / account holder | $1,200 | $2,022-40.7% | $2,460-51.2% | $7,339-83.7% |