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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 | $17,197 | $97,078-82.3% | $103,065-83.3% | $145,897-88.2% |
| Participation rate | 36.8% | 81.1%-44.3pp | 80.6%-43.7pp | 80.3%-43.5pp |
| Annual return | 10.76% | 25.49%-14.7pp | 23.95%-13.2pp | 552.29%-541.5pp |
| Employer contribution / active EE | $940 | $4,680-79.9% | $4,675-79.9% | $4,663-79.8% |
| Participant deferral / active EE | $2,989 | $6,601-54.7% | $6,625-54.9% | $6,689-55.3% |
| Admin fee / account holder | $31,248 | $12,505+149.9% | $9,349+234.2% | $13,390+133.4% |