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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 | $40,678 | $183,627-77.8% | $155,602-73.9% | $145,978-72.1% |
| Participation rate | 36.8% | 82.7%-45.8pp | 78.2%-41.4pp | 80.3%-43.5pp |
| Annual return | 39.65% | 61.32%-21.7pp | 64.81%-25.2pp | 550.52%-510.9pp |
| Employer contribution / active EE | $0 | $5,316-100.0% | $4,675-100.0% | $4,662-100.0% |
| Participant deferral / active EE | $3,817 | $6,466-41.0% | $5,629-32.2% | $6,690-42.9% |
| Admin fee / account holder | $4,115 | $19,327-78.7% | $15,923-74.2% | $13,400-69.3% |