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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 | $42,458 | $48,053-11.6% | $84,637-49.8% | $72,976-41.8% |
| Participation rate | 22.8% | 57.6%-34.8pp | 68.2%-45.4pp | 69.5%-46.7pp |
| Annual return | 22.28% | 37.39%-15.1pp | 258.82%-236.5pp | 81.02%-58.7pp |
| Employer contribution / active EE | $0 | $1,602-100.0% | $2,653-100.0% | $2,440-100.0% |
| Participant deferral / active EE | $3,009 | $2,681+12.2% | $3,900-22.9% | $3,608-16.6% |
| Admin fee / account holder | $6,105 | $3,395+79.8% | $4,914+24.2% | $5,124+19.1% |