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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 | $109,573 | $176,786-38.0% | $146,643-25.3% | $167,536-34.6% |
| Participation rate | 66.7% | 83.6%-17.0pp | 80.1%-13.4pp | 82.1%-15.4pp |
| Annual return | 17.07% | 24.04%-7.0pp | 22.75%-5.7pp | 478.82%-461.7pp |
| Employer contribution / active EE | $0 | $5,161-100.0% | $4,137-100.0% | $4,839-100.0% |
| Participant deferral / active EE | $9,809 | $6,440+52.3% | $5,506+78.1% | $6,342+54.7% |
| Admin fee / account holder | $464 | $13,262-96.5% | $10,280-95.5% | $12,315-96.2% |