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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 | $38,894 | $106,247-63.4% | $96,515-59.7% | $139,466-72.1% |
| Participation rate | 62.5% | 77.8%-15.3pp | 74.3%-11.8pp | 80.3%-17.8pp |
| Annual return | 13.09% | 38.47%-25.4pp | 35.73%-22.6pp | 373.66%-360.6pp |
| Employer contribution / active EE | $0 | $4,106-100.0% | $3,740-100.0% | $4,754-100.0% |
| Participant deferral / active EE | $5,365 | $5,456-1.7% | $4,880+9.9% | $6,712-20.1% |
| Admin fee / account holder | $349 | $7,885-95.6% | $6,735-94.8% | $11,409-96.9% |