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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 | $27,144 | $65,440-58.5% | $98,506-72.4% | $85,851-68.4% |
| Participation rate | 32.6% | 65.0%-32.5pp | 73.3%-40.8pp | 69.3%-36.8pp |
| Annual return | 14.36% | 21.75%-7.4pp | 1494.92%-1480.6pp | 318.63%-304.3pp |
| Employer contribution / active EE | $171 | $2,169-92.1% | $2,961-94.2% | $2,565-93.3% |
| Participant deferral / active EE | $1,027 | $3,168-67.6% | $4,277-76.0% | $3,952-74.0% |
| Admin fee / account holder | $3,132 | $4,596-31.9% | $5,955-47.4% | $6,261-50.0% |