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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 | $96,162 | $56,431+70.4% | $130,788-26.5% | $87,485+9.9% |
| Participation rate | 11.1% | 58.9%-47.8pp | 70.1%-59.0pp | 68.9%-57.8pp |
| Annual return | 14.86% | 91.27%-76.4pp | 386.44%-371.6pp | 26.06%-11.2pp |
| Employer contribution / active EE | $0 | $1,549-100.0% | $3,558-100.0% | $2,596-100.0% |
| Participant deferral / active EE | $1,011 | $2,749-63.2% | $4,137-75.6% | $4,274-76.3% |
| Admin fee / account holder | $4,211 | $4,433-5.0% | $6,673-36.9% | $7,775-45.8% |