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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 | $22,182 | $127,387-82.6% | $115,038-80.7% | $125,389-82.3% |
| Participation rate | 52.4% | 84.2%-31.8pp | 81.4%-29.0pp | 83.2%-30.8pp |
| Annual return | 6.68% | 31.28%-24.6pp | 26.14%-19.5pp | 282.24%-275.6pp |
| Employer contribution / active EE | $0 | $5,166-100.0% | $4,608-100.0% | $4,866-100.0% |
| Participant deferral / active EE | $3,620 | $6,423-43.6% | $6,026-39.9% | $5,352-32.4% |
| Admin fee / account holder | $16,462 | $9,516+73.0% | $8,175+101.4% | $9,541+72.5% |