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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 | $19,104 | $160,028-88.1% | $147,080-87.0% | $145,884-86.9% |
| Participation rate | 57.1% | 84.0%-26.9pp | 82.2%-25.0pp | 80.3%-23.2pp |
| Annual return | 12.52% | 98.60%-86.1pp | 420.17%-407.7pp | 551.85%-539.3pp |
| Employer contribution / active EE | $0 | $5,286-100.0% | $4,933-100.0% | $4,662-100.0% |
| Participant deferral / active EE | $7,774 | $8,422-7.7% | $8,066-3.6% | $6,690+16.2% |
| Admin fee / account holder | $2,242 | $15,030-85.1% | $12,989-82.7% | $13,392-83.3% |