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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 | $84,672 | $209,428-59.6% | $178,498-52.6% | $158,950-46.7% |
| Participation rate | 58.8% | 86.4%-27.5pp | 81.9%-23.1pp | 82.0%-23.1pp |
| Annual return | 12.47% | 188.78%-176.3pp | 151.09%-138.6pp | 302.91%-290.4pp |
| Employer contribution / active EE | $0 | $5,707-100.0% | $5,011-100.0% | $4,762-100.0% |
| Participant deferral / active EE | $6,420 | $5,955+7.8% | $5,202+23.4% | $5,983+7.3% |
| Admin fee / account holder | $4,662 | $17,077-72.7% | $13,985-66.7% | $11,248-58.6% |