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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 | $11,359 | $49,897-77.2% | $80,648-85.9% | $75,177-84.9% |
| Participation rate | 69.5% | 55.3%+14.2pp | 67.0%+2.5pp | 67.2%+2.3pp |
| Annual return | 31.14% | 34.68%-3.5pp | 937.21%-906.1pp | 160.75%-129.6pp |
| Employer contribution / active EE | $0 | $1,699-100.0% | $2,724-100.0% | $2,671-100.0% |
| Participant deferral / active EE | $2,950 | $2,992-1.4% | $4,443-33.6% | $4,126-28.5% |
| Admin fee / account holder | $637 | $3,579-82.2% | $5,382-88.2% | $5,651-88.7% |