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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 | $76,658 | $129,959-41.0% | $104,301-26.5% | $134,532-43.0% |
| Participation rate | 23.1% | 79.5%-56.5pp | 73.3%-50.2pp | 81.2%-58.2pp |
| Annual return | 32.00% | 42.04%-10.0pp | 24.61%+7.4pp | 418.27%-386.3pp |
| Employer contribution / active EE | $0 | $4,185-100.0% | $3,373-100.0% | $4,741-100.0% |
| Participant deferral / active EE | $15,947 | $5,589+185.3% | $4,626+244.7% | $6,401+149.1% |
| Admin fee / account holder | $19,826 | $9,325+112.6% | $7,340+170.1% | $11,429+73.5% |