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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 | $183,516-77.8% | $155,534-73.8% | $145,884-72.1% |
| Participation rate | 36.8% | 82.7%-45.9pp | 78.2%-41.4pp | 80.3%-43.5pp |
| Annual return | 39.65% | 61.43%-21.8pp | 64.92%-25.3pp | 551.85%-512.2pp |
| Employer contribution / active EE | $0 | $5,315-100.0% | $4,675-100.0% | $4,662-100.0% |
| Participant deferral / active EE | $3,817 | $6,467-41.0% | $5,630-32.2% | $6,690-42.9% |
| Admin fee / account holder | $4,115 | $19,293-78.7% | $15,900-74.1% | $13,392-69.3% |