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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 | $133,083 | $138,114-3.6% | $125,391+6.1% | $134,545-1.1% |
| Participation rate | 42.9% | 84.5%-41.6pp | 82.4%-39.5pp | 81.2%-38.4pp |
| Annual return | 4.77% | 750.88%-746.1pp | 572.41%-567.6pp | 418.37%-413.6pp |
| Employer contribution / active EE | $0 | $5,246-100.0% | $4,816-100.0% | $4,742-100.0% |
| Participant deferral / active EE | $7,013 | $7,801-10.1% | $7,448-5.8% | $6,401+9.6% |
| Admin fee / account holder | $7,427 | $11,570-35.8% | $10,009-25.8% | $11,431-35.0% |