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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 | $97,751-82.4% | $103,447-83.4% | $145,877-88.2% |
| Participation rate | 36.8% | 81.1%-44.3pp | 80.5%-43.7pp | 80.3%-43.5pp |
| Annual return | 10.76% | 25.43%-14.7pp | 23.92%-13.2pp | 551.28%-540.5pp |
| Employer contribution / active EE | $940 | $4,684-79.9% | $4,678-79.9% | $4,663-79.8% |
| Participant deferral / active EE | $2,989 | $6,603-54.7% | $6,624-54.9% | $6,691-55.3% |
| Admin fee / account holder | $31,248 | $12,515+149.7% | $9,415+231.9% | $13,402+133.2% |