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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 | $34,916 | $103,008-66.1% | $90,304-61.3% | $152,897-77.2% |
| Participation rate | 37.5% | 75.9%-38.4pp | 73.3%-35.8pp | 82.5%-45.0pp |
| Annual return | 19.66% | 95.22%-75.6pp | 78.13%-58.5pp | 345.43%-325.8pp |
| Employer contribution / active EE | $0 | $3,139-100.0% | $2,855-100.0% | $4,764-100.0% |
| Participant deferral / active EE | $2,221 | $4,281-48.1% | $3,885-42.8% | $5,851-62.0% |
| Admin fee / account holder | $4,791 | $6,175-22.4% | $5,354-10.5% | $11,599-58.7% |