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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 | $100,531 | $115,810-13.2% | $101,271-0.7% | $158,966-36.8% |
| Participation rate | 20.0% | 79.4%-59.4pp | 75.8%-55.8pp | 82.0%-62.0pp |
| Annual return | 25.00% | 56.15%-31.2pp | 46.48%-21.5pp | 302.95%-277.9pp |
| Employer contribution / active EE | $0 | $4,175-100.0% | $3,660-100.0% | $4,762-100.0% |
| Participant deferral / active EE | $3,969 | $4,958-19.9% | $4,371-9.2% | $5,983-33.7% |
| Admin fee / account holder | $745 | $7,248-89.7% | $5,948-87.5% | $11,250-93.4% |