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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 | $7,809 | $101,618-92.3% | $93,063-91.6% | $137,256-94.3% |
| Participation rate | 66.7% | 74.9%-8.3pp | 72.1%-5.4pp | 80.0%-13.3pp |
| Annual return | 41.18% | 223.95%-182.8pp | 34.15%+7.0pp | 220.34%-179.2pp |
| Employer contribution / active EE | $0 | $2,707-100.0% | $2,476-100.0% | $4,156-100.0% |
| Participant deferral / active EE | $6,721 | $4,279+57.1% | $3,958+69.8% | $6,407+4.9% |
| Admin fee / account holder | $794 | $6,198-87.2% | $6,033-86.8% | $12,270-93.5% |