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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 | $12,710 | $68,097-81.3% | $62,929-79.8% | $137,256-90.7% |
| Participation rate | 14.3% | 77.4%-63.2pp | 73.1%-58.8pp | 80.0%-65.7pp |
| Annual return | 12.07% | 1859.11%-1847.0pp | 1063.93%-1051.9pp | 220.34%-208.3pp |
| Employer contribution / active EE | $0 | $2,811-100.0% | $2,505-100.0% | $4,156-100.0% |
| Participant deferral / active EE | $824 | $4,553-81.9% | $3,888-78.8% | $6,407-87.1% |
| Admin fee / account holder | $1,603 | $6,521-75.4% | $5,065-68.4% | $12,270-86.9% |