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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 | $39,924 | $215,361-81.5% | $171,082-76.7% | $273,972-85.4% |
| Participation rate | 33.3% | 82.0%-48.7pp | 76.7%-43.4pp | 83.0%-49.7pp |
| Annual return | 7.44% | 25.14%-17.7pp | 32.56%-25.1pp | 41.46%-34.0pp |
| Employer contribution / active EE | $0 | $4,967-100.0% | $4,002-100.0% | $4,869-100.0% |
| Participant deferral / active EE | $1,551 | $5,543-72.0% | $4,797-67.7% | $5,287-70.7% |
| Admin fee / account holder | $422 | $10,846-96.1% | $8,520-95.0% | $10,133-95.8% |