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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 | $40,557 | $98,766-58.9% | $149,730-72.9% | $79,852-49.2% |
| Participation rate | 27.9% | 75.8%-47.9pp | 82.5%-54.6pp | 69.6%-41.7pp |
| Annual return | 12.65% | 27.43%-14.8pp | 276.70%-264.0pp | 31.72%-19.1pp |
| Employer contribution / active EE | $0 | $3,217-100.0% | $4,645-100.0% | $2,471-100.0% |
| Participant deferral / active EE | $4,115 | $5,681-27.6% | $6,843-39.9% | $3,740+10.0% |
| Admin fee / account holder | $17,395 | $6,052+187.4% | $9,310+86.8% | $5,306+227.8% |