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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 | $66,994 | $154,754-56.7% | $124,206-46.1% | $138,895-51.8% |
| Participation rate | 25.0% | 75.5%-50.5pp | 69.6%-44.6pp | 79.9%-54.9pp |
| Annual return | 12.05% | 709.28%-697.2pp | 515.27%-503.2pp | 145.39%-133.3pp |
| Employer contribution / active EE | $10 | $4,446-99.8% | $3,540-99.7% | $4,194-99.8% |
| Participant deferral / active EE | $2,960 | $4,621-35.9% | $3,968-25.4% | $6,396-53.7% |
| Admin fee / account holder | $1,725 | $6,690-74.2% | $5,929-70.9% | $12,562-86.3% |