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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 | $55,536 | $132,634-58.1% | $115,768-52.0% | $137,256-59.5% |
| Participation rate | 61.9% | 77.9%-16.0pp | 74.4%-12.5pp | 80.0%-18.1pp |
| Annual return | 18.84% | 160.70%-141.9pp | 100.46%-81.6pp | 220.34%-201.5pp |
| Employer contribution / active EE | $0 | $3,360-100.0% | $2,940-100.0% | $4,156-100.0% |
| Participant deferral / active EE | $1,973 | $5,619-64.9% | $4,917-59.9% | $6,407-69.2% |
| Admin fee / account holder | $6,126 | $15,028-59.2% | $12,439-50.8% | $12,270-50.1% |