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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 | $77,996 | $107,363-27.4% | $92,909-16.1% | $152,897-49.0% |
| Participation rate | 52.6% | 79.8%-27.2pp | 76.0%-23.4pp | 82.5%-29.8pp |
| Annual return | 23.27% | 145.63%-122.4pp | 109.44%-86.2pp | 345.43%-322.2pp |
| Employer contribution / active EE | $0 | $4,222-100.0% | $3,653-100.0% | $4,764-100.0% |
| Participant deferral / active EE | $2,483 | $4,848-48.8% | $4,238-41.4% | $5,851-57.6% |
| Admin fee / account holder | $332 | $7,082-95.3% | $5,795-94.3% | $11,599-97.1% |