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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 | $76,441 | $115,814-34.0% | $101,275-24.5% | $158,982-51.9% |
| Participation rate | 55.0% | 79.4%-24.4pp | 75.8%-20.8pp | 82.0%-27.0pp |
| Annual return | 16.10% | 56.16%-40.1pp | 46.48%-30.4pp | 302.99%-286.9pp |
| Employer contribution / active EE | $0 | $4,176-100.0% | $3,660-100.0% | $4,763-100.0% |
| Participant deferral / active EE | $1,591 | $4,958-67.9% | $4,371-63.6% | $5,983-73.4% |
| Admin fee / account holder | $314 | $7,249-95.7% | $5,948-94.7% | $11,252-97.2% |