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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 | $61,314 | $160,028-61.7% | $147,080-58.3% | $145,884-58.0% |
| Participation rate | 39.1% | 84.0%-44.9pp | 82.2%-43.1pp | 80.3%-41.2pp |
| Annual return | 15.29% | 98.60%-83.3pp | 420.17%-404.9pp | 551.85%-536.6pp |
| Employer contribution / active EE | $0 | $5,286-100.0% | $4,933-100.0% | $4,662-100.0% |
| Participant deferral / active EE | $6,363 | $8,422-24.5% | $8,066-21.1% | $6,690-4.9% |
| Admin fee / account holder | $4,868 | $15,030-67.6% | $12,989-62.5% | $13,392-63.6% |