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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 | $25,167 | $99,009-74.6% | $86,581-70.9% | $147,585-82.9% |
| Participation rate | 44.4% | 76.3%-31.9pp | 73.5%-29.1pp | 82.8%-38.4pp |
| Annual return | 12.56% | 1312.70%-1300.1pp | 965.06%-952.5pp | 578.58%-566.0pp |
| Employer contribution / active EE | $0 | $3,132-100.0% | $2,840-100.0% | $4,876-100.0% |
| Participant deferral / active EE | $898 | $3,972-77.4% | $3,609-75.1% | $5,439-83.5% |
| Admin fee / account holder | $5,074 | $5,709-11.1% | $4,904+3.5% | $10,886-53.4% |