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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 | $18,678 | $109,411-82.9% | $89,435-79.1% | $158,982-88.3% |
| Participation rate | 28.6% | 74.3%-45.7pp | 68.0%-39.4pp | 82.0%-53.4pp |
| Annual return | 7.41% | 345.68%-338.3pp | 245.55%-238.1pp | 302.99%-295.6pp |
| Employer contribution / active EE | $26 | $3,173-99.2% | $2,587-99.0% | $4,763-99.5% |
| Participant deferral / active EE | $1,704 | $4,600-63.0% | $3,890-56.2% | $5,983-71.5% |
| Admin fee / account holder | $8,736 | $6,159+41.8% | $4,884+78.8% | $11,252-22.4% |