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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 | $98,062 | $165,939-40.9% | $122,354-19.9% | $147,586-33.6% |
| Participation rate | 41.7% | 79.6%-37.9pp | 71.6%-30.0pp | 82.8%-41.2pp |
| Annual return | 9.64% | 34.56%-24.9pp | 30.28%-20.6pp | 578.59%-568.9pp |
| Employer contribution / active EE | $0 | $5,754-100.0% | $4,051-100.0% | $4,876-100.0% |
| Participant deferral / active EE | $5,878 | $4,005+46.7% | $3,287+78.8% | $5,439+8.1% |
| Admin fee / account holder | $367 | $7,425-95.1% | $5,479-93.3% | $10,886-96.6% |